The Citizens National Bank of Slatington in Slatington, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 22, 1999

  • The Citizens National Bank of Slatington in Slatington, Pennsylvania (PA)
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The Citizens National Bank of Slatington - Overview

  • General
  • FDIC Certificate #: 7755
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Citizens National Bank (#7558)
    Federal Reserve ID: 290016
    Date Established: Febuary 01, 1902
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 5005
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 22, 1999
    Last Structure Change Process Date: Febuary 26, 1999
    Last Data Update: Febuary 26, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 506 Main Street, Slatington, PA 18080
    County: Lehigh
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Allentown-Bethlehem-Easton, PA (#240)
    Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900)
    CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900)
  • Financial Summary
  • Total assets: $79.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 1998)

  • Dollar figures in thousands
  • 29Total employees (full-time equivalent)
  • $79,602Total assets
  • $2,441Cash and due from depository institutions
  • $0Interest-bearing balances
  • $16,627Securities
  • $1,940Federal funds sold & reverse repurchase agreements
  • $56,667Net loans & leases
  • $756Loan loss allowance
  • $0Trading account assets
  • $651Bank premises and fixed assets
  • $467Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $809All other assets
  • $79,602Total liabilities and capital
  • $71,560Total liabilities
  • $70,572Total deposits
  • $61,248Interest-bearing deposits
  • $70,572Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $988All other liabilities
  • $8,042Total equity capital
  • $8,042Total bank equity capital
  • $8,042Perpetual preferred stock
  • $0Common stock
  • $165Surplus
  • $635Undivided profits
  • Memoranda
  • $7,242Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,090Earning assets
  • $0Long-term assets (5+ years)
  • $298Average Assets, year-to-date
  • $75,234Average Assets, quarterly
  • $6,425Volatile liabilities
  • $75,186Insider loans
  • $78,423FHLB advances
  • $2,231Loans and leases held for sale
  • $1,251Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $11,626Total unused commitments
  • $0Restructured Loans and leases
  • $69,112Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $5,852Total interest income
  • $2,429Total interest expense
  • $3,423Net interest income
  • $90Provision for loan and lease losses
  • $241Total noninterest income
  • $0Fiduciary activities
  • $82Service charges on deposit accounts
  • $0Trading account gains & fees
  • $159Additional noninterest income
  • $2,544Total noninterest expense
  • $1,160Salaries and employee benefits
  • $378Premises and equipment expense
  • $1,006Additional noninterest expense
  • $1,030Pre-tax net operating income
  • $0Securities gains (losses)
  • $306Applicable income taxes
  • $724Income before extraordinary items
  • $0Extraordinary gains - net
  • $724Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $534Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.24%Yield on earning assets
  • 3.42%Cost of funding earning assets
  • 4.82%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 3.58%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 8.94%Return on equity (ROE)
  • 2.35%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 9000.00%Credit loss provision to net charge-offs
  • 1120.00%Efficiency ratio
  • 69,432Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 73.76%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 69.36%Noncurrent assets plus other real estate owned to assets
  • 2.18%Noncurrent loans to loans
  • 1.90%Net loans and leases to deposits
  • 80.30%Net loans and leases to core deposits
  • 82.92%Equity capital to assets
  • 10.10%Core capital (leverage) ratio
  • 10.16%Tier 1 risk-based capital ratio
  • 11.66%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $75,186Average earning assets
  • $8,100Average equity
  • $70,982Average loans

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