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

The Northumberland National Bank - Overview

  • General
  • FDIC Certificate #: 7666
    Status: Active
    Federal Reserve ID: 70414
    Bank Holding Company (Regulatory Top Holder): Northumberland Bancorp (RSSDID: 2575726, Location: Northumberland, PA)
    Date Established: November 02, 1903
    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: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 11560
    FDIC's unique #: 4966
    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: 245 Front Street, Northumberland, PA 17857
    County: Northumberland
    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
    Combined Statistical Area (CSA): Sunbury-Lewisburg-Selinsgrove, PA (#526)
    Core Based Statistical Area (CBSA): Sunbury, PA (#44980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $450.9 mil
    Equity capital: $38.0 mil
    Deposits held in domestic offices: $405.2 mil
    Return on assets (ROA): 0.96% ($4.3 mil)
    Quarterly return on assets: 1.26% ($5.7 mil)
    Return on Equity (ROE): 11.57% ($4.4 mil)
    Quarterly return on equity: 15.06% ($5.7 mil)
    Net income: $4.2 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 1.29% ($5,816.9 mil)
    Quarterly Pretax return on assets: 1.74% ($7,846.0 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
  • 93Total employees (full-time equivalent)
  • $450,919Total assets
  • $12,707Cash and due from depository institutions
  • $6,088Interest-bearing balances
  • $174,035Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $249,675Net loans & leases
  • $2,538Loan loss allowance
  • $0Trading account assets
  • $8,780Bank premises and fixed assets
  • $219Other real estate owned
  • $604Goodwill and other intangibles
  • $450,919Life insurance assets
  • $4,899All other assets
  • $412,963Total liabilities and capital
  • $405,186Total liabilities
  • $370,070Total deposits
  • $405,186Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,072Trading liabilities
  • $0Other borrowed funds
  • $2,705Subordinated debt
  • $37,956All other liabilities
  • $37,956Total equity capital
  • $37,956Total bank equity capital
  • $0Perpetual preferred stock
  • $900Common stock
  • $2,950Surplus
  • $34,106Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,166Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $529Income earned, not collected on loans
  • $0Earning assets
  • $1,605Long-term assets (5+ years)
  • $429,798Average Assets, year-to-date
  • $232,849Average Assets, quarterly
  • $437,166Volatile liabilities
  • $452,531Insider loans
  • $200,769FHLB advances
  • $451,782Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $37,688Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,533Restructured Loans and leases
  • $955Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,851Total interest income
  • $5,992Total interest expense
  • $11,859Net interest income
  • $250Provision for loan and lease losses
  • $2,647Total noninterest income
  • $582Fiduciary activities
  • $364Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,701Additional noninterest income
  • $9,003Total noninterest expense
  • $4,873Salaries and employee benefits
  • $1,229Premises and equipment expense
  • $2,901Additional noninterest expense
  • $5,253Pre-tax net operating income
  • $384Securities gains (losses)
  • $1,425Applicable income taxes
  • $4,212Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,212Net income attributable to bank
  • $0Net charge-offs
  • $4,212Cash dividends
  • $253Sale, conversion, retirement of capital stock, net
  • $715Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 1.44%Cost of funding earning assets
  • 2.84%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.16%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 11.57%Return on equity (ROE)
  • 9.61%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 98.81%Credit loss provision to net charge-offs
  • 21.75%Efficiency ratio
  • 61,237Assets per employee
  • 4.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.98%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 479.77%Noncurrent assets plus other real estate owned to assets
  • 0.17%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 61.62%Net loans and leases to core deposits
  • 65.02%Equity capital to assets
  • 8.42%Core capital (leverage) ratio
  • 8.34%Tier 1 risk-based capital ratio
  • 18.77%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $437,166Average earning assets
  • $36,391Average equity
  • $417,419Average 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
  • $45,063Managed Assets
  • 1Number of Accounts
  • $42,923Personal trust and agency accounts
  • $32,288Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $10,635Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 118Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,140Other retirement accounts
  • $0Corporate trust and agency accounts
  • $2,140Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04966The Northumberland National Bank245 Front Street, Northumberland, PA 17857November 02, 1903Full Service Brick and Mortar
    1216221Queen Street Branch135 Queen Street, Northumberland, PA 17857October 06, 1994Limited Service Facility
    2216222Susquehanna Valley Mall OfficeWeis Markets, Routes 11 & 15, Selinsgrove, PA 17870January 19, 1999Full Service Brick and Mortar
    3423298Sunbury Branch403 North 4th Street, Sunbury, PA 17801October 07, 2003Full Service Brick and Mortar
    4442976Hummels Wharf Office Branch87 Lori Lane, Selinsgrove, PA 17870April 29, 2005Full Service Brick and Mortar
    5493048Hilsher's General Store Office Branc5244 S Susquehanna Trail, Port Trevorton, PA 17864August 13, 2008Full Service Brick and Mortar
    6525922Middleburg Office8250 Route 522, Middleburg, PA 17842September 12, 2011Full Service Brick and Mortar

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