The Northumberland National Bank in city_name, state_name - Detailed Financial Reports, Location

The Northumberland National Bank in Northumberland, Pennsylvania (PA)
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The Northumberland National Bank routing number info

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
WWW: http://www.norrybank.com
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

No	ID	Name	Address	Established	Service Type
0	4966	The Northumberland National Bank	245 Front Street, Northumberland, PA 17857	November 02, 1903	Full Service Brick and Mortar
1	216221	Queen Street Branch	135 Queen Street, Northumberland, PA 17857	October 06, 1994	Limited Service Facility
2	216222	Susquehanna Valley Mall Office	Weis Markets, Routes 11 & 15, Selinsgrove, PA 17870	January 19, 1999	Full Service Brick and Mortar
3	423298	Sunbury Branch	403 North 4th Street, Sunbury, PA 17801	October 07, 2003	Full Service Brick and Mortar
4	442976	Hummels Wharf Office Branch	87 Lori Lane, Selinsgrove, PA 17870	April 29, 2005	Full Service Brick and Mortar
5	493048	Hilsher's General Store Office Branc	5244 S Susquehanna Trail, Port Trevorton, PA 17864	August 13, 2008	Full Service Brick and Mortar
6	525922	Middleburg Office	8250 Route 522, Middleburg, PA 17842	September 12, 2011	Full Service Brick and Mortar

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

The Northumberland National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

The Northumberland National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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