The First National Bank of Centre Hall in Centre Hall, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 12, 1996

  • The First National Bank of Centre Hall in Centre Hall, Pennsylvania (PA)
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The First National Bank of Centre Hall - Overview

  • General
  • FDIC Certificate #: 7430
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Northwest Savings Bank (#28178)
    Federal Reserve ID: 779418
    Date Established: January 01, 1922
    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 #: 4837
    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: April 12, 1996
    Last Structure Change Process Date: April 30, 1996
    Last Data Update: April 30, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 219 North Pennsylvania Avenue, Centre Hall, PA 16828
    County: Centre
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): State College, PA (#8050)
    Core Based Statistical Area (CBSA): State College, PA (#44300)
    CBSA Metro Statistical Area: State College, PA (#44300)
  • Financial Summary
  • Total assets: $38.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $24Total assets
  • $39,768Cash and due from depository institutions
  • $1,349Interest-bearing balances
  • $0Securities
  • $6,642Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $30,862Loan loss allowance
  • $187Trading account assets
  • $0Bank premises and fixed assets
  • $304Other real estate owned
  • $103Goodwill and other intangibles
  • $508Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $39,768Total liabilities
  • $35,813Total deposits
  • $33,519Interest-bearing deposits
  • $27,930Deposits held in domestic offices
  • 33519.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,985Subordinated debt
  • $0All other liabilities
  • $309Total equity capital
  • $309Total bank equity capital
  • $3,955Perpetual preferred stock
  • $0Common stock
  • $150Surplus
  • $680Undivided profits
  • Memoranda
  • $3,125Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $310Income earned, not collected on loans
  • $165Earning assets
  • $37,504Long-term assets (5+ years)
  • $23,864Average Assets, year-to-date
  • $38,590Average Assets, quarterly
  • $39,784Volatile liabilities
  • $5,216Insider loans
  • $462FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $873Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,930Total risk weighted assets
  • $24,877Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,956Total interest expense
  • $1,293Net interest income
  • $1,663Provision for loan and lease losses
  • $50Total noninterest income
  • $182Fiduciary activities
  • $0Service charges on deposit accounts
  • $113Trading account gains & fees
  • $0Additional noninterest income
  • $69Total noninterest expense
  • $1,301Salaries and employee benefits
  • $557Premises and equipment expense
  • $194Additional noninterest expense
  • $550Pre-tax net operating income
  • $494Securities gains (losses)
  • $0Applicable income taxes
  • $135Income before extraordinary items
  • $359Extraordinary gains - net
  • $0Net income attributable to bank
  • $359Net charge-offs
  • $30Cash dividends
  • $86Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.20%Cost of funding earning assets
  • 3.59%Net interest margin
  • 4.61%Noninterest income to earning assets
  • 0.50%Noninterest expense to earning assets
  • 3.61%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 1.28%Return on equity (ROE)
  • 9.41%Retained earnings to average equity (YTD only)
  • 7.16%Net charge-offs to loans
  • 0.10%Credit loss provision to net charge-offs
  • 166.67%Efficiency ratio
  • 70,515Assets per employee
  • 1.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.96%Loss allowance to loans
  • 0.60%Loss allowance to noncurrent loans
  • 60.32%Noncurrent assets plus other real estate owned to assets
  • 1.04%Noncurrent loans to loans
  • 1.00%Net loans and leases to deposits
  • 92.07%Net loans and leases to core deposits
  • 101.90%Equity capital to assets
  • 9.95%Core capital (leverage) ratio
  • 9.96%Tier 1 risk-based capital ratio
  • 15.80%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $38,590Average earning assets
  • $3,814Average equity
  • $36,065Average loans

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