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

The Mars National Bank - Overview

  • General
  • FDIC Certificate #: 7910
    Status: Active
    Federal Reserve ID: 978622
    Date Established: October 16, 1900
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 9438
    FDIC's unique #: 5069
    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: 145 Grand Avenue, Mars, PA 16046
    County: Butler
    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
    Metropolitan Statistical Area (MSA): Pittsburgh, PA (#6280)
    Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430)
    Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300)
    CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $342.2 mil
    Equity capital: $37.3 mil
    Deposits held in domestic offices: $303.6 mil
    Return on assets (ROA): 0.48% ($1.6 mil)
    Quarterly return on assets: 0.43% ($1.5 mil)
    Return on Equity (ROE): 4.53% ($1.7 mil)
    Quarterly return on equity: 4.00% ($1.5 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.49% ($1,676.6 mil)
    Quarterly Pretax return on assets: 0.43% ($1,471.3 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
  • 83Total employees (full-time equivalent)
  • $342,169Total assets
  • $13,903Cash and due from depository institutions
  • $5,202Interest-bearing balances
  • $172,843Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $146,660Net loans & leases
  • $2,045Loan loss allowance
  • $0Trading account assets
  • $5,096Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $342,169Life insurance assets
  • $3,667All other assets
  • $304,899Total liabilities and capital
  • $303,551Total liabilities
  • $233,185Total deposits
  • $303,551Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,348Subordinated debt
  • $37,270All other liabilities
  • $37,270Total equity capital
  • $37,270Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $400Surplus
  • $36,470Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,744Income earned, not collected on loans
  • $200Earning assets
  • $1,384Long-term assets (5+ years)
  • $324,705Average Assets, year-to-date
  • $199,165Average Assets, quarterly
  • $339,123Volatile liabilities
  • $343,028Insider loans
  • $180,775FHLB advances
  • $339,826Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $34,556Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $48,260Restructured Loans and leases
  • $1,623Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,628Total interest income
  • $1,603Total interest expense
  • $10,025Net interest income
  • $110Provision for loan and lease losses
  • $1,565Total noninterest income
  • $0Fiduciary activities
  • $352Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,213Additional noninterest income
  • $10,083Total noninterest expense
  • $5,171Salaries and employee benefits
  • $1,365Premises and equipment expense
  • $3,547Additional noninterest expense
  • $1,397Pre-tax net operating income
  • $267Securities gains (losses)
  • $28Applicable income taxes
  • $1,636Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,636Net income attributable to bank
  • $0Net charge-offs
  • $1,636Cash dividends
  • $40Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.60%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 3.11%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.49%Pretax return on assets
  • 4.53%Return on equity (ROE)
  • 2.87%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 275.00%Credit loss provision to net charge-offs
  • 37.67%Efficiency ratio
  • 86,997Assets per employee
  • 4.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.67%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 74.53%Noncurrent assets plus other real estate owned to assets
  • 0.80%Noncurrent loans to loans
  • 1.85%Net loans and leases to deposits
  • 48.31%Net loans and leases to core deposits
  • 48.85%Equity capital to assets
  • 10.89%Core capital (leverage) ratio
  • 10.17%Tier 1 risk-based capital ratio
  • 19.12%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $339,123Average earning assets
  • $36,128Average equity
  • $322,653Average loans

List of branches

  • 6 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05069The Mars National Bank145 Grand Avenue, Mars, PA 16046October 16, 1900Full Service Brick and Mortar
    1216952Richland Branch5548 William Flynn Highway, Richland Township, PA 15044October 01, 1962Full Service Brick and Mortar
    2216953Adams Township Branch645 Route 228, Adams Township, PA 16046May 30, 1974Limited Service Facility
    3216954Cranberry Branch20246 Route 19, Cranberry Township, PA 16066July 01, 1983Full Service Brick and Mortar
    4216955Penn Township Branch600 Pittsburgh Road, Penn Township, PA 16002November 03, 1993Full Service Brick and Mortar
    6492726Heritage Creek Branch211 Scharberry Lane, Mars, PA 16046October 14, 2008Full Service Brick and Mortar

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