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

  • The Neffs National Bank in Neffs, Pennsylvania (PA)
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The Neffs National Bank - Overview

  • General
  • FDIC Certificate #: 7646
    Status: Active
    Federal Reserve ID: 144913
    Bank Holding Company (Regulatory Top Holder): Neffs Bancorp, Inc. (RSSDID: 1140097, Location: Neffs, PA)
    Date Established: April 03, 1923
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 4952
    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: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 3257 Main Street, Neffs, PA 18065
    County: Lehigh
    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)
  • Financial Summary
  • Total assets: $286.2 mil
    Equity capital: $47.6 mil
    Deposits held in domestic offices: $237.6 mil
    Return on assets (ROA): 1.40% ($4.0 mil)
    Quarterly return on assets: 1.47% ($4.2 mil)
    Return on Equity (ROE): 8.41% ($4.0 mil)
    Quarterly return on equity: 8.85% ($4.2 mil)
    Net income: $3.9 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.82% ($5,208.3 mil)
    Quarterly Pretax return on assets: 1.90% ($5,437.2 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
  • 32Total employees (full-time equivalent)
  • $286,170Total assets
  • $9,138Cash and due from depository institutions
  • $135Interest-bearing balances
  • $142,870Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $128,801Net loans & leases
  • $1,334Loan loss allowance
  • $0Trading account assets
  • $2,059Bank premises and fixed assets
  • $242Other real estate owned
  • $0Goodwill and other intangibles
  • $286,170Life insurance assets
  • $3,060All other assets
  • $238,528Total liabilities and capital
  • $237,579Total liabilities
  • $214,978Total deposits
  • $237,579Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $949Subordinated debt
  • $47,642All other liabilities
  • $47,642Total equity capital
  • $47,642Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $500Surplus
  • $46,942Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,802Income earned, not collected on loans
  • $0Earning assets
  • $1,653Long-term assets (5+ years)
  • $271,806Average Assets, year-to-date
  • $177,731Average Assets, quarterly
  • $281,472Volatile liabilities
  • $284,318Insider loans
  • $150,126FHLB advances
  • $285,237Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $47,550Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,767Restructured Loans and leases
  • $1,008Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,125Total interest income
  • $4,304Total interest expense
  • $8,821Net interest income
  • $224Provision for loan and lease losses
  • $233Total noninterest income
  • $0Fiduciary activities
  • $116Service charges on deposit accounts
  • $0Trading account gains & fees
  • $117Additional noninterest income
  • $3,655Total noninterest expense
  • $1,689Salaries and employee benefits
  • $503Premises and equipment expense
  • $1,463Additional noninterest expense
  • $5,175Pre-tax net operating income
  • -$48Securities gains (losses)
  • $1,186Applicable income taxes
  • $3,941Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,941Net income attributable to bank
  • $0Net charge-offs
  • $3,941Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $2,609Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 1.61%Cost of funding earning assets
  • 3.29%Net interest margin
  • 0.09%Noninterest income to earning assets
  • 1.36%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.40%Return on assets (ROA)
  • 1.82%Pretax return on assets
  • 8.41%Return on equity (ROE)
  • 2.84%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 5600.00%Credit loss provision to net charge-offs
  • 1349.75%Efficiency ratio
  • 40,369Assets per employee
  • 8.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.20%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 47.61%Noncurrent assets plus other real estate owned to assets
  • 1.12%Noncurrent loans to loans
  • 2.15%Net loans and leases to deposits
  • 54.21%Net loans and leases to core deposits
  • 56.37%Equity capital to assets
  • 16.65%Core capital (leverage) ratio
  • 16.67%Tier 1 risk-based capital ratio
  • 31.67%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $281,472Average earning assets
  • $46,844Average equity
  • $267,800Average loans

List of branches

  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04952The Neffs National Bank3257 Main Street, Neffs, PA 18065April 03, 1923Full Service Brick and Mortar

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