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

The Turbotville National Bank - Overview

  • General
  • FDIC Certificate #: 7789
    Status: Active
    Federal Reserve ID: 906410
    Bank Holding Company (Regulatory Top Holder): Turbotville National Bancorp, Inc. (RSSDID: 1142813, Location: Turbotville, PA)
    Date Established: January 01, 1910
    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)
    OTS Docket #: 10448
    FDIC's unique #: 5022
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 30, 2006
    Last Structure Change Process Date: October 30, 2006
    Last Data Update: October 30, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4710 State Route 54, Turbotville, PA 17772
    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
  • Financial Summary
  • Total assets: $118.7 mil
    Equity capital: $17.2 mil
    Deposits held in domestic offices: $98.4 mil
    Return on assets (ROA): 1.30% ($1.5 mil)
    Quarterly return on assets: 1.45% ($1.7 mil)
    Return on Equity (ROE): 9.43% ($1.6 mil)
    Quarterly return on equity: 10.08% ($1.7 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.59% ($1,886.9 mil)
    Quarterly Pretax return on assets: 1.49% ($1,768.2 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
  • 18Total employees (full-time equivalent)
  • $118,672Total assets
  • $5,057Cash and due from depository institutions
  • $0Interest-bearing balances
  • $49,726Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $61,399Net loans & leases
  • $818Loan loss allowance
  • $0Trading account assets
  • $262Bank premises and fixed assets
  • $50Other real estate owned
  • $0Goodwill and other intangibles
  • $118,672Life insurance assets
  • $2,178All other assets
  • $101,439Total liabilities and capital
  • $98,437Total liabilities
  • $89,183Total deposits
  • $98,437Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 1289.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $413Trading liabilities
  • $0Other borrowed funds
  • $1,300Subordinated debt
  • $17,233All other liabilities
  • $17,233Total equity capital
  • $17,233Total bank equity capital
  • $0Perpetual preferred stock
  • $125Common stock
  • $800Surplus
  • $16,308Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $719Income earned, not collected on loans
  • $0Earning assets
  • $538Long-term assets (5+ years)
  • $111,125Average Assets, year-to-date
  • $82,956Average Assets, quarterly
  • $117,479Volatile liabilities
  • $119,068Insider loans
  • $64,074FHLB advances
  • $119,480Loans and leases held for sale
  • $1,035Unused loan commitments
  • $1,035Tier 1 (core) risk-based capital
  • $16,017Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,357Restructured Loans and leases
  • $493Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,194Total interest income
  • $1,552Total interest expense
  • $3,642Net interest income
  • $86Provision for loan and lease losses
  • $396Total noninterest income
  • $0Fiduciary activities
  • $184Service charges on deposit accounts
  • $0Trading account gains & fees
  • $212Additional noninterest income
  • $2,131Total noninterest expense
  • $1,051Salaries and employee benefits
  • $76Premises and equipment expense
  • $1,004Additional noninterest expense
  • $1,821Pre-tax net operating income
  • $49Securities gains (losses)
  • $347Applicable income taxes
  • $1,523Income before extraordinary items
  • $1Extraordinary gains - net
  • $1,524Net income attributable to bank
  • $0Net charge-offs
  • $1,524Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $435Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 1.42%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 1.95%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 9.43%Return on equity (ROE)
  • 6.74%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 252.94%Credit loss provision to net charge-offs
  • 56.09%Efficiency ratio
  • 52,774Assets per employee
  • 6.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.54%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 113.77%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 1.16%Net loans and leases to deposits
  • 62.37%Net loans and leases to core deposits
  • 64.08%Equity capital to assets
  • 14.52%Core capital (leverage) ratio
  • 13.41%Tier 1 risk-based capital ratio
  • 25.00%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $117,479Average earning assets
  • $16,168Average equity
  • $109,268Average loans

List of branches

  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05022The Turbotville National Bank4710 State Route 54, Turbotville, PA 17772January 01, 1910Full Service Brick and Mortar

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