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


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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 26Total employees (full-time equivalent)
  • $97,869Total assets
  • $2,301Cash and due from depository institutions
  • $798Interest-bearing balances
  • $37,860Securities
  • $1,705Federal funds sold & reverse repurchase agreements
  • $49,856Net loans & leases
  • $572Loan loss allowance
  • $0Trading account assets
  • $692Bank premises and fixed assets
  • $322Other real estate owned
  • $0Goodwill and other intangibles
  • $97,869Life insurance assets
  • $5,133All other assets
  • $88,390Total liabilities and capital
  • $82,929Total liabilities
  • $67,341Total deposits
  • $82,929Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,461Subordinated debt
  • $9,479All other liabilities
  • $9,479Total equity capital
  • $9,479Total bank equity capital
  • $0Perpetual preferred stock
  • $410Common stock
  • $775Surplus
  • $8,294Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,275Income earned, not collected on loans
  • $0Earning assets
  • $522Long-term assets (5+ years)
  • $90,219Average Assets, year-to-date
  • $59,225Average Assets, quarterly
  • $99,313Volatile liabilities
  • $98,541Insider loans
  • $52,676FHLB advances
  • $98,595Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,759Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,807Restructured Loans and leases
  • $1,647Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,487Total interest income
  • $881Total interest expense
  • $3,606Net interest income
  • $31Provision for loan and lease losses
  • $350Total noninterest income
  • $1Fiduciary activities
  • $257Service charges on deposit accounts
  • $0Trading account gains & fees
  • $92Additional noninterest income
  • $2,762Total noninterest expense
  • $1,420Salaries and employee benefits
  • $373Premises and equipment expense
  • $969Additional noninterest expense
  • $1,163Pre-tax net operating income
  • $3Securities gains (losses)
  • $248Applicable income taxes
  • $918Income before extraordinary items
  • $0Extraordinary gains - net
  • $918Net income attributable to bank
  • $0Net charge-offs
  • $918Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $472Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.92%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 3.03%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 9.48%Return on equity (ROE)
  • 4.61%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 310.00%Credit loss provision to net charge-offs
  • 119.40%Efficiency ratio
  • 69,818Assets per employee
  • 3.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.42%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 44.86%Noncurrent assets plus other real estate owned to assets
  • 1.63%Noncurrent loans to loans
  • 2.53%Net loans and leases to deposits
  • 60.12%Net loans and leases to core deposits
  • 69.46%Equity capital to assets
  • 9.69%Core capital (leverage) ratio
  • 9.90%Tier 1 risk-based capital ratio
  • 18.53%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $99,313Average earning assets
  • $9,684Average equity
  • $91,225Average 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
  • $18Managed Assets
  • 1Number of Accounts
  • $18Personal trust and agency accounts
  • $18Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 6Number 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

  • 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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