The Kishacoquillas Valley National Bank of Belleville in Belleville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Kishacoquillas Valley National Bank of Belleville - Overview

  • General
  • FDIC Certificate #: 14969
    Status: Active
    Federal Reserve ID: 600419
    Bank Holding Company (Regulatory Top Holder): Kish Bancorp, Inc. (RSSDID: 1141889, Location: Belleville, PA)
    Date Established: January 01, 1927
    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: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 11077
    FDIC's unique #: 9377
    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: Commercial 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: 310 East Main Street, Belleville, PA 17004
    County: Mifflin
    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): Lewistown, PA (#30380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $557.9 mil
    Equity capital: $52.9 mil
    Deposits held in domestic offices: $455.7 mil
    Return on assets (ROA): 0.78% ($4.4 mil)
    Quarterly return on assets: 0.71% ($4.0 mil)
    Return on Equity (ROE): 8.83% ($4.7 mil)
    Quarterly return on equity: 7.61% ($4.0 mil)
    Net income: $4.4 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 0.93% ($5,188.5 mil)
    Quarterly Pretax return on assets: 0.83% ($4,630.6 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
  • 164Total employees (full-time equivalent)
  • $557,904Total assets
  • $42,564Cash and due from depository institutions
  • $32,971Interest-bearing balances
  • $113,807Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $363,577Net loans & leases
  • $7,043Loan loss allowance
  • $0Trading account assets
  • $13,850Bank premises and fixed assets
  • $370Other real estate owned
  • $1,940Goodwill and other intangibles
  • $557,904Life insurance assets
  • $21,796All other assets
  • $505,052Total liabilities and capital
  • $455,683Total liabilities
  • $399,679Total deposits
  • $455,683Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 3946.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $41,114Trading liabilities
  • $0Other borrowed funds
  • $4,309Subordinated debt
  • $52,852All other liabilities
  • $52,852Total equity capital
  • $52,852Total bank equity capital
  • $0Perpetual preferred stock
  • $304Common stock
  • $3,236Surplus
  • $49,312Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,401Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,041Income earned, not collected on loans
  • $945Earning assets
  • $2,089Long-term assets (5+ years)
  • $510,355Average Assets, year-to-date
  • $254,593Average Assets, quarterly
  • $557,479Volatile liabilities
  • $556,248Insider loans
  • $402,248FHLB advances
  • $553,393Loans and leases held for sale
  • $11,864Unused loan commitments
  • $11,864Tier 1 (core) risk-based capital
  • $49,314Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $94,034Restructured Loans and leases
  • $13,483Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,097Total interest income
  • $6,058Total interest expense
  • $18,039Net interest income
  • $800Provision for loan and lease losses
  • $6,485Total noninterest income
  • $187Fiduciary activities
  • $1,401Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,897Additional noninterest income
  • $19,383Total noninterest expense
  • $9,568Salaries and employee benefits
  • $2,806Premises and equipment expense
  • $7,009Additional noninterest expense
  • $4,341Pre-tax net operating income
  • $828Securities gains (losses)
  • $809Applicable income taxes
  • $4,360Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,360Net income attributable to bank
  • $0Net charge-offs
  • $4,360Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 3.56%Net interest margin
  • 1.28%Noninterest income to earning assets
  • 3.82%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 8.83%Return on equity (ROE)
  • 8.83%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 40000.00%Credit loss provision to net charge-offs
  • 2570.50%Efficiency ratio
  • 79,037Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.90%Loss allowance to noncurrent loans
  • 116.59%Noncurrent assets plus other real estate owned to assets
  • 1.15%Noncurrent loans to loans
  • 1.63%Net loans and leases to deposits
  • 79.79%Net loans and leases to core deposits
  • 84.50%Equity capital to assets
  • 9.47%Core capital (leverage) ratio
  • 8.91%Tier 1 risk-based capital ratio
  • 12.26%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $557,479Average earning assets
  • $49,362Average equity
  • $507,182Average 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
  • $12,366Managed Assets
  • 1Number of Accounts
  • $12,363Personal trust and agency accounts
  • $9,216Employee benefit-defined contribution accounts
  • $852Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $395Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $895Other fiduciary accounts
  • $1,005Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 53Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3Other retirement accounts
  • $3Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 14 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09377The Kishacoquillas Valley National B310 East Main Street, Belleville, PA 17004January 01, 1927Full Service Brick and Mortar
    1232586Gateway Division BranchU.S. Route 322 And State Route 655, Brown Township, PA 17084August 25, 1969Full Service Brick and Mortar
    2232587Stone Valley Division BranchPennsylvania Routes 305 And 26, Mcalveys Fort, PA 16652November 04, 1974Full Service Brick and Mortar
    4232589Lewistown Division Branch518 Electric Avenue, Lewistown, PA 17044Febuary 12, 1990Full Service Brick and Mortar
    5216082Mill Creek BranchU.S. Route 22, Mill Creek, PA 17060January 14, 1957Full Service Brick and Mortar
    6216039Mcveytown Branch10 East John Street, Mcveytown, PA 17051August 30, 1954Full Service Brick and Mortar
    7232590Kish Bank Financial Center Branch25 Gateway Drive, Reedsville, PA 17084April 30, 1998Full Service Brick and Mortar
    8232591Huntingdon BranchRoute 22, Smithfield Twp, Huntington, PA 16652October 25, 1999Full Service Brick and Mortar
    9422584Hills Plaza/Hills Plaza South/ShortRolling Ridge Drive, State College, PA 16801August 25, 2003Full Service Brick and Mortar
    10426500Lewistown Main Street BranchSouth Main Street, Lewistown, PA 17044December 15, 2003Full Service Brick and Mortar
    11456483Messenger Service BranchRolling Ridge Drive, State College, PA 16801June 07, 2005Limited Service Messenger
    12493368State College North Branch2610 Green Tech Drive, State College, PA 16803May 08, 2009Full Service Brick and Mortar
    13493369Bellefonte Branch205 Park Place, Suite #6, Bellefonte, PA 16823December 29, 2008Full Service Brick and Mortar
    14513382Brookline Branch1930 Cliffside Drive, State College, PA 16801September 07, 2010Full Service Brick and Mortar

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