First National Bank of Bath in city_name, state_name - Detailed Financial Reports, Location

First National Bank of Bath in Bath, Pennsylvania (PA)
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First National Bank of Bath - Overview

General
FDIC Certificate #: 7393
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Meridian Bank (#11870)
Federal Reserve ID: 751713
Date Established: July 09, 1900
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 6 (Interstate: No)
FDIC's unique #: 4822
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: December 11, 1993
Last Structure Change Process Date: December 30, 1993
Last Data Update: December 30, 1993
Data Source Date: April 05, 2012
Location
Address: 10 East Main Street, Bath, PA 18014
County: Northampton
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Philadelphia
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Allentown-Bethlehem-Easton, PA (#240)
Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900)
CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900)
Financial Summary
Total assets: $123.7 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$62Total assets
$124,518Cash and due from depository institutions
$3,718Interest-bearing balances
$200Securities
$40,088Federal funds sold & reverse repurchase agreements
$5,525Net loans & leases
$72,268Loan loss allowance
$1,708Trading account assets
$0Bank premises and fixed assets
$1,236Other real estate owned
$25Goodwill and other intangibles
$1,658Life insurance assets
$0All other assets
$0Total liabilities and capital
$124,518Total liabilities
$115,383Total deposits
$113,146Interest-bearing deposits
$103,872Deposits held in domestic offices
113146.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,000Subordinated debt
$0All other liabilities
$1,237Total equity capital
$1,237Total bank equity capital
$9,135Perpetual preferred stock
$0Common stock
$360Surplus
$1,155Undivided profits
Memoranda
$7,620Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,586Income earned, not collected on loans
$415Earning assets
$118,081Long-term assets (5+ years)
$28,103Average Assets, year-to-date
$128,274Average Assets, quarterly
$124,448Volatile liabilities
$11,017Insider loans
$2,292FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$6,400Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$9,135Total risk weighted assets
$69,520Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$9,958Total interest expense
$5,226Net interest income
$4,732Provision for loan and lease losses
$242Total noninterest income
$684Fiduciary activities
$0Service charges on deposit accounts
$325Trading account gains & fees
$0Additional noninterest income
$359Total noninterest expense
$4,284Salaries and employee benefits
$2,023Premises and equipment expense
$765Additional noninterest expense
$1,496Pre-tax net operating income
$890Securities gains (losses)
$445Applicable income taxes
$339Income before extraordinary items
$996Extraordinary gains - net
$0Net income attributable to bank
$996Net charge-offs
$365Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.15%Cost of funding earning assets
4.28%Net interest margin
3.87%Noninterest income to earning assets
0.56%Noninterest expense to earning assets
3.51%Net operating income to assets
0.52%Return on assets (ROA)
0.78%Pretax return on assets
1.04%Return on equity (ROE)
11.56%Retained earnings to average equity (YTD only)
11.56%Net charge-offs to loans
0.47%Credit loss provision to net charge-offs
66.30%Efficiency ratio
79,099Assets per employee
2.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.31%Loss allowance to noncurrent loans
47.63%Noncurrent assets plus other real estate owned to assets
2.90%Noncurrent loans to loans
4.85%Net loans and leases to deposits
63.87%Net loans and leases to core deposits
70.08%Equity capital to assets
7.34%Core capital (leverage) ratio
7.30%Tier 1 risk-based capital ratio
13.14%Total risk-based capital ratio
Memoranda
$14Average assets
$128,274Average earning assets
$8,614Average equity
$122,137Average loans

First National Bank of Bath in Bath, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Bath - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

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

First National Bank of Bath in Bath, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Bath - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

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

First National Bank of Bath in Bath, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches