First National Bank and Trust Co. in Waynesboro, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 26, 1997

First National Bank and Trust Co. in Waynesboro, Pennsylvania (PA)
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First National Bank and Trust Co. - Overview

General
FDIC Certificate #: 7795
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Financial Trust Company (#8417)
Federal Reserve ID: 20110
Date Established: November 01, 1920
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Interstate: No)
OTS Docket #: 10306
FDIC's unique #: 5027
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: September 26, 1997
Last Structure Change Process Date: October 20, 1997
Last Data Update: October 20, 1997
Data Source Date: April 05, 2012
Location
Address: 13 West Main Street, Waynesboro, PA 17268
County: Franklin
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
Core Based Statistical Area (CBSA): Chambersburg, PA (#16540)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $213.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$79Total assets
$214,502Cash and due from depository institutions
$5,389Interest-bearing balances
$0Securities
$83,159Federal funds sold & reverse repurchase agreements
$50Net loans & leases
$120,071Loan loss allowance
$1,695Trading account assets
$0Bank premises and fixed assets
$2,007Other real estate owned
$119Goodwill and other intangibles
$3,706Life insurance assets
$1All other assets
$0Total liabilities and capital
$214,502Total liabilities
$185,892Total deposits
$152,484Interest-bearing deposits
$137,752Deposits held in domestic offices
152484.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$28,103Trading liabilities
$0Other borrowed funds
$2,864Subordinated debt
$0All other liabilities
$2,441Total equity capital
$2,441Total bank equity capital
$28,610Perpetual preferred stock
$0Common stock
$1,050Surplus
$8,950Undivided profits
Memoranda
$18,610Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$500Income earned, not collected on loans
$608Earning assets
$203,280Long-term assets (5+ years)
$58,574Average Assets, year-to-date
$198,540Average Assets, quarterly
$213,154Volatile liabilities
$41,509Insider loans
$6,069FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$19,257Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$27,823Total risk weighted assets
$121,337Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$14,805Total interest expense
$6,306Net interest income
$8,499Provision for loan and lease losses
$240Total noninterest income
$924Fiduciary activities
$0Service charges on deposit accounts
$358Trading account gains & fees
$0Additional noninterest income
$566Total noninterest expense
$4,576Salaries and employee benefits
$2,402Premises and equipment expense
$393Additional noninterest expense
$1,781Pre-tax net operating income
$4,607Securities gains (losses)
$1Applicable income taxes
$1,159Income before extraordinary items
$3,449Extraordinary gains - net
$0Net income attributable to bank
$3,449Net charge-offs
$249Cash dividends
$1,532Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.89%Cost of funding earning assets
3.36%Net interest margin
4.53%Noninterest income to earning assets
0.49%Noninterest expense to earning assets
2.44%Net operating income to assets
1.74%Return on assets (ROA)
1.74%Pretax return on assets
2.32%Return on equity (ROE)
12.69%Retained earnings to average equity (YTD only)
7.06%Net charge-offs to loans
0.21%Credit loss provision to net charge-offs
96.39%Efficiency ratio
48,562Assets per employee
2.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.42%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
339.00%Noncurrent assets plus other real estate owned to assets
0.29%Noncurrent loans to loans
0.41%Net loans and leases to deposits
78.74%Net loans and leases to core deposits
84.59%Equity capital to assets
13.34%Core capital (leverage) ratio
13.01%Tier 1 risk-based capital ratio
22.93%Total risk-based capital ratio
Memoranda
$24Average assets
$198,540Average earning assets
$27,170Average equity
$187,733Average loans

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