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

The First National Bank of Fredericksburg - Overview

  • General
  • FDIC Certificate #: 7502
    Status: Active
    Federal Reserve ID: 493013
    Date Established: July 06, 1907
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 10513
    FDIC's unique #: 4870
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 3016 South Pine Grove Street, Fredericksburg, PA 17026
    County: Lebanon
    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): Harrisburg-Lebanon-Carlisle, PA (#3240)
    Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
    Core Based Statistical Area (CBSA): Lebanon, PA (#30140)
    CBSA Metro Statistical Area: Lebanon, PA (#30140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $198.3 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $181.3 mil
    Return on assets (ROA): 0.42% ($0.8 mil)
    Quarterly return on assets: 0.51% ($1.0 mil)
    Return on Equity (ROE): 5.55% ($0.8 mil)
    Quarterly return on equity: 6.74% ($1.0 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.51% ($1,011.2 mil)
    Quarterly Pretax return on assets: 0.59% ($1,169.9 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
  • 70Total employees (full-time equivalent)
  • $198,281Total assets
  • $30,852Cash and due from depository institutions
  • $22,507Interest-bearing balances
  • $27,627Securities
  • $3,000Federal funds sold & reverse repurchase agreements
  • $121,202Net loans & leases
  • $1,287Loan loss allowance
  • $0Trading account assets
  • $4,948Bank premises and fixed assets
  • $896Other real estate owned
  • $0Goodwill and other intangibles
  • $198,281Life insurance assets
  • $9,756All other assets
  • $183,287Total liabilities and capital
  • $181,278Total liabilities
  • $147,322Total deposits
  • $181,278Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,009Subordinated debt
  • $14,994All other liabilities
  • $14,994Total equity capital
  • $14,994Total bank equity capital
  • $0Perpetual preferred stock
  • $1,842Common stock
  • $10,634Surplus
  • $2,518Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,555Income earned, not collected on loans
  • $0Earning assets
  • $410Long-term assets (5+ years)
  • $174,336Average Assets, year-to-date
  • $20,912Average Assets, quarterly
  • $194,825Volatile liabilities
  • $196,041Insider loans
  • $132,691FHLB advances
  • $194,471Loans and leases held for sale
  • $4,242Unused loan commitments
  • $4,242Tier 1 (core) risk-based capital
  • $15,697Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,680Restructured Loans and leases
  • $775Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,053Total interest income
  • $779Total interest expense
  • $7,274Net interest income
  • $0Provision for loan and lease losses
  • $1,134Total noninterest income
  • $91Fiduciary activities
  • $251Service charges on deposit accounts
  • $0Trading account gains & fees
  • $792Additional noninterest income
  • $7,536Total noninterest expense
  • $3,538Salaries and employee benefits
  • $1,259Premises and equipment expense
  • $2,739Additional noninterest expense
  • $872Pre-tax net operating income
  • $114Securities gains (losses)
  • $172Applicable income taxes
  • $814Income before extraordinary items
  • $0Extraordinary gains - net
  • $814Net income attributable to bank
  • $0Net charge-offs
  • $814Cash dividends
  • $173Sale, conversion, retirement of capital stock, net
  • $143Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 4.39%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 5.55%Return on equity (ROE)
  • 4.58%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 5.04%Efficiency ratio
  • 89,629Assets per employee
  • 2.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 17.57%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 36.20%Noncurrent assets plus other real estate owned to assets
  • 2.24%Noncurrent loans to loans
  • 2.90%Net loans and leases to deposits
  • 66.86%Net loans and leases to core deposits
  • 67.95%Equity capital to assets
  • 7.56%Core capital (leverage) ratio
  • 8.07%Tier 1 risk-based capital ratio
  • 11.83%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $194,825Average earning assets
  • $14,659Average equity
  • $171,643Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $11,964Managed Assets
  • 1Number of Accounts
  • $11,964Personal trust and agency accounts
  • $4,301Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,232Other retirement accounts
  • $272Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $4,159Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 67Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04870The First National Bank Of Frederick3016 South Pine Grove Street, Fredericksburg, PA 17026July 06, 1907Full Service Brick and Mortar
    1215723Sunset Branch1690 N. 7th Street,, Lebanon, PA 17046September 15, 1975Full Service Brick and Mortar
    2215724Mount Aetna BranchRoute 501, Mount Aetna, PA 19544October 20, 1980Full Service Brick and Mortar
    3215725Friedensburg BranchPennsylvania Route 443, Friedensburg, PA 17933May 13, 1985Full Service Brick and Mortar
    5215727Lebanon Valley Mall Branch2217 West Cumberland Street, Lebanon, PA 17042September 11, 1995Full Service Brick and Mortar
    6215728Quentin Road Branch450 Isabel Drive, Lebanon, PA 17042June 22, 1998Full Service Brick and Mortar
    7422582Schuylkill Haven Branch45 West Main Street, Schuylkill Haven, PA 17972August 19, 2003Full Service Brick and Mortar

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