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


The First National Bank of Mifflintown - Overview

  • General
  • FDIC Certificate #: 7613
    Status: Active
    Federal Reserve ID: 212018
    Bank Holding Company (Regulatory Top Holder): First Community Financial Corporation (RSSDID: 1132896, Location: Mifflintown, PA)
    Date Established: April 19, 1889
    WWW: http://www.fnbmifflintown.com
    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: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 9066
    FDIC's unique #: 4934
    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: Mortgage Lending Specialization
    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: Bridge And Main Streets, Mifflintown, PA 17059
    County: Juniata
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $386.8 mil
    Equity capital: $35.4 mil
    Deposits held in domestic offices: $330.7 mil
    Return on assets (ROA): 1.14% ($4.4 mil)
    Quarterly return on assets: 1.06% ($4.1 mil)
    Return on Equity (ROE): 12.68% ($4.4 mil)
    Quarterly return on equity: 11.57% ($4.0 mil)
    Net income: $4.3 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.43% ($5,531.4 mil)
    Quarterly Pretax return on assets: 1.30% ($5,028.5 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
  • 87Total employees (full-time equivalent)
  • $386,809Total assets
  • $9,545Cash and due from depository institutions
  • $416Interest-bearing balances
  • $107,721Securities
  • $591Federal funds sold & reverse repurchase agreements
  • $247,703Net loans & leases
  • $3,085Loan loss allowance
  • $0Trading account assets
  • $7,461Bank premises and fixed assets
  • $358Other real estate owned
  • $355Goodwill and other intangibles
  • $386,809Life insurance assets
  • $13,075All other assets
  • $351,377Total liabilities and capital
  • $330,677Total liabilities
  • $294,555Total deposits
  • $330,677Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 2685.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $3,015Subordinated debt
  • $35,432All other liabilities
  • $35,432Total equity capital
  • $35,432Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $8,115Surplus
  • $26,817Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $644Income earned, not collected on loans
  • $0Earning assets
  • $1,416Long-term assets (5+ years)
  • $356,431Average Assets, year-to-date
  • $185,094Average Assets, quarterly
  • $377,287Volatile liabilities
  • $384,052Insider loans
  • $207,588FHLB advances
  • $383,133Loans and leases held for sale
  • $7,399Unused loan commitments
  • $3,008Tier 1 (core) risk-based capital
  • $34,329Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,391Total unused commitments
  • $33,309Restructured Loans and leases
  • $1,675Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,350Total interest income
  • $5,642Total interest expense
  • $12,708Net interest income
  • $982Provision for loan and lease losses
  • $3,051Total noninterest income
  • $525Fiduciary activities
  • $776Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,750Additional noninterest income
  • $9,384Total noninterest expense
  • $4,998Salaries and employee benefits
  • $1,097Premises and equipment expense
  • $3,289Additional noninterest expense
  • $5,393Pre-tax net operating income
  • $4Securities gains (losses)
  • $1,095Applicable income taxes
  • $4,302Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,302Net income attributable to bank
  • $0Net charge-offs
  • $4,302Cash dividends
  • $51Sale, conversion, retirement of capital stock, net
  • $1,055Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 1.62%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 12.68%Return on equity (ROE)
  • 9.57%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1925.49%Credit loss provision to net charge-offs
  • 125.00%Efficiency ratio
  • 59,458Assets per employee
  • 4.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.52%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 479.04%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 74.91%Net loans and leases to core deposits
  • 76.85%Equity capital to assets
  • 9.16%Core capital (leverage) ratio
  • 8.96%Tier 1 risk-based capital ratio
  • 16.54%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $377,287Average earning assets
  • $33,916Average equity
  • $348,958Average 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
  • $89,084Managed Assets
  • 1Number of Accounts
  • $84,395Personal trust and agency accounts
  • $44,895Employee benefit-defined contribution accounts
  • $1,162Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $17,554Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $20,784Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 300Number of Accounts
  • $0Personal trust and agency accounts
  • $17,554Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,689Other retirement accounts
  • $0Corporate trust and agency accounts
  • $4,537Other fiduciary accounts
  • $25Fiduciary accounts held in foreign offices

List of branches

  • 13 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04934The First National Bank Of MifflintoBridge And Main Streets, Mifflintown, PA 17059April 19, 1889Full Service Brick and Mortar
    2216104Tuscarora Valley BranchRoute 75 And Old Route 322, Port Royal, PA 17082January 19, 1988Full Service Brick and Mortar
    3216105Fermanagh BranchRoute 35 And Route 322, Mifflintown, PA 17059June 22, 1988Full Service Brick and Mortar
    4216106Delaware BranchPa Route 333, North Of U.S. Route 22/322, Thompsontown, PA 17094December 06, 1989Full Service Brick and Mortar
    5216107West Perry BranchPennsylvania Routes 74 7 274/Rr1, Elliottsburg, PA 17024October 14, 1993Full Service Brick and Mortar
    6216108Ickesburg BranchMain Street, Ickesburg, PA 17037August 24, 1995Full Service Brick and Mortar
    7216109New Bloomfield BranchRural Route 2, New Bloomfield, PA 17068September 23, 1996Full Service Brick and Mortar
    8216110Loysville BranchP.O. Box 914, Loysville, PA 17047January 19, 1999Full Service Brick and Mortar
    9334462East Waterford BranchMain Street, P.O. Box 62, East Waterford, PA 17021March 01, 2000Full Service Brick and Mortar
    10363377Sherman Dale BranchNw Corner, X Pa Rt 850 & Rt 34, Shermans Dale, PA 17090Febuary 19, 2002Full Service Brick and Mortar
    11423125Messenger Service Branch #1Two North Main Street, Mifflintown, PA 17059July 16, 2003Limited Service Messenger
    12423126Messenger Service Branch #2500 North Street, Mifflintown, PA 17059July 16, 2003Limited Service Messenger
    13432892Bloomfied Borough Branch216 South Carlisle Street, New Bloomfield, PA 17068October 12, 2004Full Service Brick and Mortar

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