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

The Farmers National Bank of Emlenton - Overview

  • General
  • FDIC Certificate #: 7875
    Status: Active
    Federal Reserve ID: 119528
    Bank Holding Company (Regulatory Top Holder): Emclaire Financial Corp (RSSDID: 1480944, Location: Emlenton, PA)
    Date Established: January 01, 1900
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 11211
    FDIC's unique #: 5052
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 17, 2008
    Last Structure Change Process Date: November 05, 2008
    Last Data Update: November 05, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 612 Main Street, Emlenton, PA 16373
    County: Venango
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Wexford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Core Based Statistical Area (CBSA): Oil City, PA (#36340)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $490.2 mil
    Equity capital: $48.6 mil
    Deposits held in domestic offices: $416.5 mil
    Return on assets (ROA): 0.84% ($4.1 mil)
    Quarterly return on assets: 0.98% ($4.8 mil)
    Return on Equity (ROE): 9.00% ($4.4 mil)
    Quarterly return on equity: 9.89% ($4.8 mil)
    Net income: $4.2 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.05% ($5,147.4 mil)
    Quarterly Pretax return on assets: 1.26% ($6,176.9 mil)

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

2000 - 2011 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, 2011)

  • Dollar figures in thousands
  • 118Total employees (full-time equivalent)
  • $490,231Total assets
  • $28,124Cash and due from depository institutions
  • $25,608Interest-bearing balances
  • $120,510Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $313,645Net loans & leases
  • $3,536Loan loss allowance
  • $0Trading account assets
  • $9,026Bank premises and fixed assets
  • $307Other real estate owned
  • $5,251Goodwill and other intangibles
  • $490,231Life insurance assets
  • $13,368All other assets
  • $441,583Total liabilities and capital
  • $416,502Total liabilities
  • $331,597Total deposits
  • $416,502Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $5,081Subordinated debt
  • $48,648All other liabilities
  • $48,648Total equity capital
  • $48,648Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $31,306Surplus
  • $15,842Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,688Income earned, not collected on loans
  • $0Earning assets
  • $1,628Long-term assets (5+ years)
  • $459,763Average Assets, year-to-date
  • $252,900Average Assets, quarterly
  • $493,210Volatile liabilities
  • $490,487Insider loans
  • $280,269FHLB advances
  • $483,667Loans and leases held for sale
  • $5,809Unused loan commitments
  • $5,809Tier 1 (core) risk-based capital
  • $42,046Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $43,790Restructured Loans and leases
  • $1,272Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,242Total interest income
  • $5,713Total interest expense
  • $15,529Net interest income
  • $420Provision for loan and lease losses
  • $3,258Total noninterest income
  • $0Fiduciary activities
  • $1,427Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,831Additional noninterest income
  • $13,656Total noninterest expense
  • $6,725Salaries and employee benefits
  • $2,149Premises and equipment expense
  • $4,782Additional noninterest expense
  • $4,711Pre-tax net operating income
  • $482Securities gains (losses)
  • $1,031Applicable income taxes
  • $4,162Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,162Net income attributable to bank
  • $0Net charge-offs
  • $4,162Cash dividends
  • $1,016Sale, conversion, retirement of capital stock, net
  • $4,754Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.37%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 9.00%Return on equity (ROE)
  • -1.28%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 41.34%Credit loss provision to net charge-offs
  • 5.05%Efficiency ratio
  • 70,341Assets per employee
  • 4.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 114.22%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 62.17%Noncurrent assets plus other real estate owned to assets
  • 1.22%Noncurrent loans to loans
  • 1.79%Net loans and leases to deposits
  • 75.30%Net loans and leases to core deposits
  • 79.22%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 8.69%Tier 1 risk-based capital ratio
  • 15.00%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $493,210Average earning assets
  • $46,234Average equity
  • $461,477Average loans

List of branches

  • 13 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05052The Farmers National Bank Of Emlento612 Main Street, Emlenton, PA 16373January 01, 1900Full Service Brick and Mortar
    1216812Eau Claire BranchHighways 38 And 58, Eau Claire, PA 16030December 13, 1978Full Service Brick and Mortar
    2216813Clarion BranchSixth And Wood Streets, Clarion, PA 16214April 15, 1985Full Service Brick and Mortar
    3185595East Brady BranchBroad And Brady Streets, East Brady, PA 16028August 02, 1948Full Service Brick and Mortar
    5216814Bon Aire Branch1101 North Main Street, Butler, PA 16001May 20, 1996Full Service Brick and Mortar
    6216815Knox 338 BranchRoute 338 South, Knox, PA 16232August 12, 1996Full Service Retail
    943443Ridgway Branch173 Main Street, Ridgway, PA 15853January 01, 1891Full Service Brick and Mortar
    10281149Dubois Branch861 Beaver Drive, Du Bois, PA 15801January 01, 1891Full Service Brick and Mortar
    11281150Brookville Branch263 Main Street, Brookville, PA 15825January 01, 1891Full Service Brick and Mortar
    12366213Meridian Branch101 Meridian Road, Butler, PA 16001January 24, 2003Full Service Brick and Mortar
    13457905Cranberry Office Branch7001 Route 322, Cranberry, PA 16319November 06, 2006Full Service Brick and Mortar
    14475473Grove City Office Branch1319 West Main Street, Grove City, PA 16127April 01, 2008Full Service Brick and Mortar
    15224045Titusville Branch127 West Spring Street, Titusville, PA 16354May 06, 1963Full Service Brick and Mortar

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