Community National Bank of Norwestern Pennsylvania in city_name, state_name

Community National Bank of Norwestern Pennsylvania in Albion, Pennsylvania (PA)
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Community National Bank of Norwestern Pennsylvania routing number info

Community National Bank of Norwestern Pennsylvania - Overview

General
FDIC Certificate #: 10032
Status: Active
Federal Reserve ID: 107226
Date Established: December 11, 1933
WWW: http://www.cnbofnwpa.com
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: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 6412
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: 53 East State Street, Albion, PA 16401
County: Erie
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
Metropolitan Statistical Area (MSA): Erie, PA (#2360)
Core Based Statistical Area (CBSA): Erie, PA (#21500)
CBSA Metro Statistical Area: Erie, PA (#21500)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $78.0 mil
Equity capital: $15.2 mil
Deposits held in domestic offices: $62.6 mil
Return on assets (ROA): 0.95% ($0.7 mil)
Quarterly return on assets: 0.90% ($0.7 mil)
Return on Equity (ROE): 4.93% ($0.7 mil)
Quarterly return on equity: 4.60% ($0.7 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.43% ($1,114.8 mil)
Quarterly Pretax return on assets: 1.35% ($1,052.4 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
17Total employees (full-time equivalent)
$77,955Total assets
$19,470Cash and due from depository institutions
$18,385Interest-bearing balances
$18,988Securities
$0Federal funds sold & reverse repurchase agreements
$37,234Net loans & leases
$427Loan loss allowance
$0Trading account assets
$1,441Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$77,955Life insurance assets
$822All other assets
$62,721Total liabilities and capital
$62,565Total liabilities
$49,821Total deposits
$62,565Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$156Subordinated debt
$15,234All other liabilities
$15,234Total equity capital
$15,234Total bank equity capital
$0Perpetual preferred stock
$720Common stock
$770Surplus
$13,744Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$108Income earned, not collected on loans
$0Earning assets
$234Long-term assets (5+ years)
$74,607Average Assets, year-to-date
$34,514Average Assets, quarterly
$78,585Volatile liabilities
$78,263Insider loans
$28,504FHLB advances
$79,705Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$15,234Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,432Restructured Loans and leases
$616Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,965Total interest income
$560Total interest expense
$2,405Net interest income
$0Provision for loan and lease losses
$450Total noninterest income
$0Fiduciary activities
$165Service charges on deposit accounts
$0Trading account gains & fees
$285Additional noninterest income
$1,728Total noninterest expense
$747Salaries and employee benefits
$329Premises and equipment expense
$652Additional noninterest expense
$1,127Pre-tax net operating income
$0Securities gains (losses)
$377Applicable income taxes
$750Income before extraordinary items
$0Extraordinary gains - net
$750Net income attributable to bank
$0Net charge-offs
$750Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$621Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.96%Yield on earning assets
0.75%Cost of funding earning assets
3.21%Net interest margin
0.60%Noninterest income to earning assets
2.31%Noninterest expense to earning assets
0.95%Net operating income to assets
0.95%Return on assets (ROA)
1.43%Pretax return on assets
4.93%Return on equity (ROE)
0.85%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
60,525Assets per employee
4.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
82.80%Loss allowance to loans
1.13%Loss allowance to noncurrent loans
395.37%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.29%Net loans and leases to deposits
59.51%Net loans and leases to core deposits
67.40%Equity capital to assets
19.54%Core capital (leverage) ratio
19.11%Tier 1 risk-based capital ratio
53.45%Total risk-based capital ratio
Memoranda
$55Average assets
$78,585Average earning assets
$15,228Average equity
$74,901Average loans

List of branches

5 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6412	Community National Bank Of Norwester	53 East State Street, Albion, PA 16401	December 11, 1933	Full Service Brick and Mortar
1	221712	West Springfield Branch	Route 20, West Springfield, PA 16443	May 14, 1973	Full Service Brick and Mortar
2	221713	Cranesville Branch	North Meadville Street, Cranesville, PA 16410	June 16, 1980	Full Service Brick and Mortar
3	217104	Edinboro Branch	212 Plum Street, Edinboro, PA 16412	August 03, 1970	Full Service Brick and Mortar
4	356934	Millcreek Branch	2420 Zimmerly Road, Erie, PA 16506	June 05, 2000	Full Service Brick and Mortar

Community National Bank of Norwestern Pennsylvania in Albion, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community National Bank of Norwestern Pennsylvania - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Community National Bank of Norwestern Pennsylvania in Albion, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

Community National Bank of Norwestern Pennsylvania - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Community National Bank of Norwestern Pennsylvania in Albion, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches