The First National Bank of Port Allegany in Port Allegany, Pennsylvania (PA)



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The First National Bank of Port Allegany routing number info

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The First National Bank of Port Allegany
GeneralFDIC Certificate #: 7704
Status: Active
Federal Reserve ID: 20512
Bank Holding Company (Regulatory Top Holder): Fnbpa Bancorp, Inc. (RSSDID: 3962060, Location: Port Allegany, PA)
Date Established: April 19, 1888
WWW: http://www.fnbpa.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: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 12798
FDIC's unique #: 4979
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
LocationAddress: 64 Main Street, Port Allegany, PA 16743
County: Mckean
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Wexford
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Core Based Statistical Area (CBSA): Bradford, PA (#14620)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $97.9 mil
Equity capital: $9.5 mil
Deposits held in domestic offices: $82.9 mil
Return on assets (ROA): 0.92% ($0.9 mil)
Quarterly return on assets: 0.98% ($1.0 mil)
Return on Equity (ROE): 9.48% ($0.9 mil)
Quarterly return on equity: 9.82% ($0.9 mil)
Net income: $0.9 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.17% ($1,145.1 mil)
Quarterly Pretax return on assets: 1.34% ($1,311.4 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, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)26
Total assets$97,869
Cash and due from depository institutions$2,301
Interest-bearing balances$798
Securities$37,860
Federal funds sold & reverse repurchase agreements$1,705
Net loans & leases$49,856
Loan loss allowance $572
Trading account assets$0
Bank premises and fixed assets$692
Other real estate owned$322
Goodwill and other intangibles$0
All other assets$5,133
Life insurance assets$97,869
Total liabilities and capital$88,390
Total liabilities$82,929
Total deposits$67,341
Interest-bearing deposits$82,929
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $5,461
All other liabilities $9,479
Total equity capital$9,479
Total bank equity capital$9,479
Perpetual preferred stock$0
Common stock$410
Surplus$775
Undivided profits $8,294
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,275
Earning assets $0
Long-term assets (5+ years) $522
Average Assets, year-to-date $90,219
Average Assets, quarterly $59,225
Volatile liabilities $99,313
Insider loans $98,541
FHLB advances $52,676
Loans and leases held for sale $98,595
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $9,759
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,807
Derivatives$1,647
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,487
Total interest expense $881
Net interest income $3,606
Provision for loan and lease losses $31
Total noninterest income $350
Fiduciary activities $1
Service charges on deposit accounts $257
Trading account gains & fees $0
Additional noninterest income $92
Total noninterest expense $2,762
Salaries and employee benefits $1,420
Premises and equipment expense $373
Additional noninterest expense $969
Pre-tax net operating income $1,163
Securities gains (losses) $3
Applicable income taxes $248
Income before extraordinary items $918
Extraordinary gains - net $0
Net income attributable to bank $918
Net charge-offs $0
Cash dividends $918
Sale, conversion, retirement of capital stock, net $10
Net operating income $472
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.92%
Cost of funding earning assets 0.97%
Net interest margin 3.95%
Noninterest income to earning assets 0.38%
Noninterest expense to earning assets 3.03%
Net operating income to assets 0.92%
Return on assets (ROA) 0.92%
Pretax return on assets 1.17%
Return on equity (ROE) 9.48%
Retained earnings to average equity (YTD only) 4.61%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 310.00%
Efficiency ratio119.40%
Assets per employee$69,818
Cash dividends to net income (YTD only)3.76%
Condition Ratios (%)
Loss allowance to loans 51.42%
Loss allowance to noncurrent loans 1.13%
Noncurrent assets plus other real estate owned to assets 44.86%
Noncurrent loans to loans 1.63%
Net loans and leases to deposits2.53%
Net loans and leases to core deposits 60.12%
Equity capital to assets 69.46%
Core capital (leverage) ratio 9.69%
Tier 1 risk-based capital ratio 9.90%
Total risk-based capital ratio 18.53%
Memoranda
Average assets$20
Average earning assets$99,313
Average equity $9,684
Average loans $91,225
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$18
Number of Accounts1
Personal trust and agency accounts$18
Employee benefit-defined contribution accounts$18
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts6
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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3 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04979The First National Bank Of Port Alle64 Main Street, Port Allegany, PA 16743April 19, 1888Full Service Brick and Mortar
1216367Lillibridge Place BranchMill Street, Port Allegany, PA 16743April 17, 1978Full Service Brick and Mortar
2216368Coudersport Office118 East 2nd Street, Coudersport, PA 16915August 11, 1997Full Service Brick and Mortar
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