The Jim Thorpe National Bank in Jim Thorpe, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Jim Thorpe National Bank - Overview

  • General
  • FDIC Certificate #: 7599
    Status: Active
    Federal Reserve ID: 920210
    Bank Holding Company (Regulatory Top Holder): Jtnb Bancorp, Inc. (RSSDID: 1406935, Location: Jim Thorpe, PA)
    Date Established: August 25, 1902
    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: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 4929
    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: December 31, 2008
    Last Structure Change Process Date: January 30, 2009
    Last Data Update: January 30, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 12 Broadway, Jim Thorpe, PA 18229
    County: Carbon
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Allentown-Bethlehem-Easton, PA (#240)
    Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900)
    CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $161.4 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $145.0 mil
    Return on assets (ROA): 0.67% ($1.1 mil)
    Quarterly return on assets: 0.69% ($1.1 mil)
    Return on Equity (ROE): 7.45% ($1.0 mil)
    Quarterly return on equity: 7.67% ($1.1 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.81% ($1,307.5 mil)
    Quarterly Pretax return on assets: 0.85% ($1,372.1 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
  • 45Total employees (full-time equivalent)
  • $161,421Total assets
  • $23,558Cash and due from depository institutions
  • $21,321Interest-bearing balances
  • $49,871Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $76,820Net loans & leases
  • $868Loan loss allowance
  • $0Trading account assets
  • $2,702Bank premises and fixed assets
  • $349Other real estate owned
  • $862Goodwill and other intangibles
  • $161,421Life insurance assets
  • $7,259All other assets
  • $147,158Total liabilities and capital
  • $144,952Total liabilities
  • $129,533Total deposits
  • $144,952Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $1,206Subordinated debt
  • $14,263All other liabilities
  • $14,263Total equity capital
  • $14,263Total bank equity capital
  • $0Perpetual preferred stock
  • $280Common stock
  • $383Surplus
  • $13,600Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $890Income earned, not collected on loans
  • $0Earning assets
  • $468Long-term assets (5+ years)
  • $148,012Average Assets, year-to-date
  • $110,384Average Assets, quarterly
  • $153,266Volatile liabilities
  • $159,213Insider loans
  • $73,319FHLB advances
  • $162,247Loans and leases held for sale
  • $4,614Unused loan commitments
  • $4,111Tier 1 (core) risk-based capital
  • $13,277Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $503Total unused commitments
  • $6,789Restructured Loans and leases
  • $1,110Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,051Total interest income
  • $934Total interest expense
  • $5,117Net interest income
  • $40Provision for loan and lease losses
  • $726Total noninterest income
  • $0Fiduciary activities
  • $250Service charges on deposit accounts
  • $0Trading account gains & fees
  • $476Additional noninterest income
  • $4,608Total noninterest expense
  • $2,420Salaries and employee benefits
  • $563Premises and equipment expense
  • $1,625Additional noninterest expense
  • $1,195Pre-tax net operating income
  • $45Securities gains (losses)
  • $211Applicable income taxes
  • $1,029Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,029Net income attributable to bank
  • $0Net charge-offs
  • $1,029Cash dividends
  • $151Sale, conversion, retirement of capital stock, net
  • $381Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 7.45%Return on equity (ROE)
  • 4.69%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 26.49%Credit loss provision to net charge-offs
  • 8.18%Efficiency ratio
  • 78,864Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.03%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 97.53%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 1.15%Net loans and leases to deposits
  • 53.00%Net loans and leases to core deposits
  • 53.98%Equity capital to assets
  • 8.84%Core capital (leverage) ratio
  • 8.18%Tier 1 risk-based capital ratio
  • 18.11%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $153,266Average earning assets
  • $13,811Average equity
  • $138,410Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $70Managed Assets
  • 1Number 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
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $70Other retirement accounts
  • $70Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 6 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04929The Jim Thorpe National Bank12 Broadway, Jim Thorpe, PA 18229August 25, 1902Full Service Brick and Mortar
    1216091Center Street Branch418 Center Street, Jim Thorpe, PA 18229January 03, 1955Full Service Brick and Mortar
    2216092Penn Forest BranchRoute 903, Penn Forest Township, Star Route, Jim Thorpe, PA 18229December 06, 1989Full Service Brick and Mortar
    3363376Lehighton Branch145 South Fourth Street, Lehighton, PA 18235March 06, 2002Full Service Brick and Mortar
    444114Nesquehoning Branch301 West Catawissa Street, Nesquehoning, PA 18240January 01, 1913Full Service Brick and Mortar
    5446328Lansford Branch430 West Patterson Street, Lansford, PA 18232November 17, 2005Full Service Brick and Mortar

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