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

This bank is inactive as of August 28, 2006

  • The First National Bank of McConnellsburg in Mcconnellsburg, Pennsylvania (PA)
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The First National Bank of McConnellsburg - Overview

  • General
  • FDIC Certificate #: 7604
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The First National Bank of Greencastle (#7511)
    Federal Reserve ID: 967411
    Date Established: January 01, 1906
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 10288
    FDIC's unique #: 4930
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 28, 2006
    Last Structure Change Process Date: October 13, 2006
    Last Data Update: October 13, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 Lincoln Way West, Mcconnellsburg, PA 17233
    County: Fulton
    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
  • Financial Summary
  • Total assets: $200.4 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, 2005)

  • Dollar figures in thousands
  • 54Total employees (full-time equivalent)
  • $185,263Total assets
  • $5,289Cash and due from depository institutions
  • $587Interest-bearing balances
  • $29,605Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $138,849Net loans & leases
  • $1,026Loan loss allowance
  • $0Trading account assets
  • $3,182Bank premises and fixed assets
  • $58Other real estate owned
  • $2,105Goodwill and other intangibles
  • $0Life insurance assets
  • $6,175All other assets
  • $185,262Total liabilities and capital
  • $169,453Total liabilities
  • $145,136Total deposits
  • $119,463Interest-bearing deposits
  • $145,136Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $23,299Other borrowed funds
  • $0Subordinated debt
  • $1,018All other liabilities
  • $15,809Total equity capital
  • $15,809Total bank equity capital
  • $15,809Perpetual preferred stock
  • $0Common stock
  • $350Surplus
  • $1,400Undivided profits
  • Memoranda
  • $14,059Noncurrent loans and leases
  • $17,323Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $93Earning assets
  • $0Long-term assets (5+ years)
  • $684Average Assets, year-to-date
  • $169,041Average Assets, quarterly
  • $48,598Volatile liabilities
  • $177,677Insider loans
  • $184,861FHLB advances
  • $32,722Loans and leases held for sale
  • $4,206Unused loan commitments
  • $23,299Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $17,323Total unused commitments
  • $0Restructured Loans and leases
  • $1,026Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $9,713Total interest income
  • $3,813Total interest expense
  • $5,900Net interest income
  • $120Provision for loan and lease losses
  • $707Total noninterest income
  • $0Fiduciary activities
  • $468Service charges on deposit accounts
  • $0Trading account gains & fees
  • $239Additional noninterest income
  • $4,788Total noninterest expense
  • $2,315Salaries and employee benefits
  • $737Premises and equipment expense
  • $1,736Additional noninterest expense
  • $1,699Pre-tax net operating income
  • $54Securities gains (losses)
  • $459Applicable income taxes
  • $1,294Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,294Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $182Sale, conversion, retirement of capital stock, net
  • $580Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.00%Yield on earning assets
  • 2.36%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 8.46%Return on equity (ROE)
  • 4.67%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 65.93%Credit loss provision to net charge-offs
  • 9.99%Efficiency ratio
  • 70,304Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.82%Loss allowance to loans
  • 0.73%Loss allowance to noncurrent loans
  • 1103.23%Noncurrent assets plus other real estate owned to assets
  • 0.08%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 95.67%Net loans and leases to core deposits
  • 107.77%Equity capital to assets
  • 8.53%Core capital (leverage) ratio
  • 7.57%Tier 1 risk-based capital ratio
  • 10.98%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $177,677Average earning assets
  • $15,292Average equity
  • $161,833Average loans

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