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

This bank is inactive as of October 23, 1998

  • The Peoples National Bank of Rural Valley in Rural Valley, Pennsylvania (PA)
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The Peoples National Bank of Rural Valley - Overview

  • General
  • FDIC Certificate #: 11985
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Promistar Bank (#14501)
    Federal Reserve ID: 208226
    Date Established: December 31, 1933
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 7649
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 23, 1998
    Last Structure Change Process Date: November 19, 1998
    Last Data Update: November 19, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 601 Main Street, Rural Valley, PA 16249
    County: Armstrong
    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
    Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430)
    Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300)
    CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
  • Financial Summary
  • Total assets: $37.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 12Total employees (full-time equivalent)
  • $37,090Total assets
  • $1,187Cash and due from depository institutions
  • $0Interest-bearing balances
  • $19,839Securities
  • $1,800Federal funds sold & reverse repurchase agreements
  • $13,790Net loans & leases
  • $116Loan loss allowance
  • $0Trading account assets
  • $114Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $360All other assets
  • $37,090Total liabilities and capital
  • $29,045Total liabilities
  • $28,901Total deposits
  • $24,017Interest-bearing deposits
  • $28,901Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $144All other liabilities
  • $8,045Total equity capital
  • $8,045Total bank equity capital
  • $8,045Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $1,000Undivided profits
  • Memoranda
  • $6,845Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $108Earning assets
  • $20Long-term assets (5+ years)
  • $57Average Assets, year-to-date
  • $35,429Average Assets, quarterly
  • $9,928Volatile liabilities
  • $36,527Insider loans
  • $36,850FHLB advances
  • $2,617Loans and leases held for sale
  • $63Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $202Total unused commitments
  • $0Restructured Loans and leases
  • $12,773Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $2,386Total interest income
  • $963Total interest expense
  • $1,423Net interest income
  • $0Provision for loan and lease losses
  • $85Total noninterest income
  • $0Fiduciary activities
  • $42Service charges on deposit accounts
  • $0Trading account gains & fees
  • $43Additional noninterest income
  • $699Total noninterest expense
  • $314Salaries and employee benefits
  • $72Premises and equipment expense
  • $313Additional noninterest expense
  • $809Pre-tax net operating income
  • $0Securities gains (losses)
  • $215Applicable income taxes
  • $594Income before extraordinary items
  • $0Extraordinary gains - net
  • $594Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $8Sale, conversion, retirement of capital stock, net
  • $320Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.83%Yield on earning assets
  • 2.76%Cost of funding earning assets
  • 4.07%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.00%Noninterest expense to earning assets
  • 1.63%Net operating income to assets
  • 1.63%Return on assets (ROA)
  • 2.21%Pretax return on assets
  • 7.52%Return on equity (ROE)
  • 3.47%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 101.13%Efficiency ratio
  • 46,353Assets per employee
  • 3.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.87%Loss allowance to loans
  • 0.83%Loss allowance to noncurrent loans
  • 107.41%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 47.71%Net loans and leases to core deposits
  • 52.47%Equity capital to assets
  • 21.69%Core capital (leverage) ratio
  • 21.88%Tier 1 risk-based capital ratio
  • 62.86%Total risk-based capital ratio
  • Memoranda
  • $64Average assets
  • $36,527Average earning assets
  • $7,896Average equity
  • $34,924Average loans

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