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


The First National Bank of Minersville - Overview

  • General
  • FDIC Certificate #: 7621
    Status: Active
    Federal Reserve ID: 797319
    Bank Holding Company (Regulatory Top Holder): Fnbm Financial Corporation (RSSDID: 1140604, Location: Minersville, PA)
    Date Established: May 05, 1864
    WWW: http://www.fnbminersville.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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 4941
    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: 260 Sunbury Street, Minersville, PA 17954
    County: Schuylkill
    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
    Core Based Statistical Area (CBSA): Pottsville, PA (#39060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $83.1 mil
    Equity capital: $11.9 mil
    Deposits held in domestic offices: $71.0 mil
    Return on assets (ROA): 0.61% ($0.5 mil)
    Quarterly return on assets: 0.12% ($0.1 mil)
    Return on Equity (ROE): 4.35% ($0.5 mil)
    Quarterly return on equity: 0.84% ($0.1 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.86% ($714.4 mil)
    Quarterly Pretax return on assets: 0.42% ($348.9 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
  • 22Total employees (full-time equivalent)
  • $83,075Total assets
  • $7,200Cash and due from depository institutions
  • $0Interest-bearing balances
  • $28,670Securities
  • $2,259Federal funds sold & reverse repurchase agreements
  • $40,590Net loans & leases
  • $582Loan loss allowance
  • $2,165Trading account assets
  • $900Bank premises and fixed assets
  • $312Other real estate owned
  • $0Goodwill and other intangibles
  • $83,075Life insurance assets
  • $979All other assets
  • $71,140Total liabilities and capital
  • $71,049Total liabilities
  • $63,501Total deposits
  • $71,049Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $91Subordinated debt
  • $11,935All other liabilities
  • $11,935Total equity capital
  • $11,935Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $500Surplus
  • $11,185Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $588Income earned, not collected on loans
  • $0Earning assets
  • $330Long-term assets (5+ years)
  • $73,684Average Assets, year-to-date
  • $47,851Average Assets, quarterly
  • $84,748Volatile liabilities
  • $84,880Insider loans
  • $42,929FHLB advances
  • $86,227Loans and leases held for sale
  • $17Unused loan commitments
  • $17Tier 1 (core) risk-based capital
  • $11,836Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,671Restructured Loans and leases
  • $1,854Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,430Total interest income
  • $379Total interest expense
  • $3,051Net interest income
  • $64Provision for loan and lease losses
  • $314Total noninterest income
  • $190Fiduciary activities
  • $22Service charges on deposit accounts
  • -$53Trading account gains & fees
  • $155Additional noninterest income
  • $2,575Total noninterest expense
  • $1,406Salaries and employee benefits
  • $204Premises and equipment expense
  • $965Additional noninterest expense
  • $726Pre-tax net operating income
  • $0Securities gains (losses)
  • $212Applicable income taxes
  • $514Income before extraordinary items
  • $0Extraordinary gains - net
  • $514Net income attributable to bank
  • $0Net charge-offs
  • $514Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $206Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.54%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.41%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 4.35%Return on equity (ROE)
  • 2.61%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 640.00%Credit loss provision to net charge-offs
  • 79.00%Efficiency ratio
  • 76,523Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.08%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 98.98%Noncurrent assets plus other real estate owned to assets
  • 1.08%Noncurrent loans to loans
  • 1.43%Net loans and leases to deposits
  • 57.13%Net loans and leases to core deposits
  • 60.71%Equity capital to assets
  • 14.37%Core capital (leverage) ratio
  • 13.73%Tier 1 risk-based capital ratio
  • 27.57%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $84,748Average earning assets
  • $11,817Average equity
  • $75,474Average 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
  • $51,557Managed Assets
  • 1Number of Accounts
  • $50,806Personal trust and agency accounts
  • $20,362Employee benefit-defined contribution accounts
  • $3,043Employee benefit-defined benefit accounts
  • $1,721Other retirement accounts
  • $371Corporate trust and agency accounts
  • $18,667Investment management agency accounts
  • $6,642Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 166Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $751Other retirement accounts
  • $0Corporate trust and agency accounts
  • $172Other fiduciary accounts
  • $504Fiduciary accounts held in foreign offices

List of branches

  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04941The First National Bank Of Minersvil260 Sunbury Street, Minersville, PA 17954May 05, 1864Full Service Brick and Mortar

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