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

First United National Bank in Fryburg, Pennsylvania (PA)
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First United National Bank routing number info

First United National Bank - Overview

General
FDIC Certificate #: 7886
Status: Active
Federal Reserve ID: 127224
Bank Holding Company (Regulatory Top Holder): Fryburg Banking Company, Inc. (RSSDID: 2687601, Location: Fryburg, PA)
Date Established: August 02, 1909
WWW: http://www.fun-bank.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: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 12526
FDIC's unique #: 5059
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: Routes 157 And 208, Fryburg, PA 16326
County: Clarion
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $243.8 mil
Equity capital: $19.6 mil
Deposits held in domestic offices: $224.0 mil
Return on assets (ROA): 1.02% ($2.5 mil)
Quarterly return on assets: 0.99% ($2.4 mil)
Return on Equity (ROE): 13.11% ($2.6 mil)
Quarterly return on equity: 12.38% ($2.5 mil)
Net income: $2.5 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.41% ($3,437.0 mil)
Quarterly Pretax return on assets: 1.36% ($3,315.1 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
63Total employees (full-time equivalent)
$243,759Total assets
$37,063Cash and due from depository institutions
$35,741Interest-bearing balances
$52,242Securities
$0Federal funds sold & reverse repurchase agreements
$148,652Net loans & leases
$1,678Loan loss allowance
$0Trading account assets
$2,913Bank premises and fixed assets
$181Other real estate owned
$225Goodwill and other intangibles
$243,759Life insurance assets
$2,483All other assets
$224,190Total liabilities and capital
$223,973Total liabilities
$179,113Total deposits
$223,973Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$217Subordinated debt
$19,569All other liabilities
$19,569Total equity capital
$19,569Total bank equity capital
$0Perpetual preferred stock
$584Common stock
$2,117Surplus
$16,868Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$480Income earned, not collected on loans
$0Earning assets
$771Long-term assets (5+ years)
$236,635Average Assets, year-to-date
$65,992Average Assets, quarterly
$244,781Volatile liabilities
$244,827Insider loans
$121,102FHLB advances
$245,927Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$19,054Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,304Restructured Loans and leases
$1,017Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,042Total interest income
$2,068Total interest expense
$7,974Net interest income
$230Provision for loan and lease losses
$805Total noninterest income
$0Fiduciary activities
$481Service charges on deposit accounts
$0Trading account gains & fees
$324Additional noninterest income
$5,116Total noninterest expense
$2,911Salaries and employee benefits
$624Premises and equipment expense
$1,581Additional noninterest expense
$3,433Pre-tax net operating income
$12Securities gains (losses)
$949Applicable income taxes
$2,496Income before extraordinary items
$0Extraordinary gains - net
$2,496Net income attributable to bank
$0Net charge-offs
$2,496Cash dividends
$167Sale, conversion, retirement of capital stock, net
$1,340Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.23%Yield on earning assets
0.87%Cost of funding earning assets
3.36%Net interest margin
0.34%Noninterest income to earning assets
2.16%Noninterest expense to earning assets
1.02%Net operating income to assets
1.02%Return on assets (ROA)
1.41%Pretax return on assets
13.11%Return on equity (ROE)
6.07%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
137.72%Credit loss provision to net charge-offs
21.93%Efficiency ratio
58,275Assets per employee
3.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.69%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
349.58%Noncurrent assets plus other real estate owned to assets
0.27%Noncurrent loans to loans
0.32%Net loans and leases to deposits
66.37%Net loans and leases to core deposits
69.46%Equity capital to assets
8.03%Core capital (leverage) ratio
7.75%Tier 1 risk-based capital ratio
15.73%Total risk-based capital ratio
Memoranda
$17Average assets
$244,781Average earning assets
$19,042Average equity
$237,324Average loans

List of branches

6 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5059	First United National Bank	Routes 157 And 208, Fryburg, PA 16326	August 02, 1909	Full Service Brick and Mortar
2	216840	Oil City Branch	1 Central Avenue, Oil City, PA 16301	Febuary 04, 1980	Full Service Brick and Mortar
3	277500	New Bethlehem Branch	706 Broad Street, New Bethlehem, PA 16242	January 01, 1928	Full Service Brick and Mortar
4	185608	Franklin Branch	1153 Liberty Street, Franklin, PA 16323	September 17, 1971	Full Service Brick and Mortar
5	216914	Clarion Branch	400 Liberty Street, Clarion, PA 16214	Febuary 17, 1998	Full Service Brick and Mortar
6	461044	Cranberry Branch	112 Hoss Drive, Cranberry, PA 16319	January 16, 2007	Full Service Brick and Mortar

First United National Bank in Fryburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First United National Bank - 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:

First United National Bank in Fryburg, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

First United National Bank - 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:

First United National Bank in Fryburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches