Nazareth National Bank and Trust Company in Nazareth, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 01, 2003

  • Nazareth National Bank and Trust Company in Nazareth, Pennsylvania (PA)
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Nazareth National Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 7645
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Keystone Nazareth Bank & Trust Company (#28166)
    Federal Reserve ID: 991715
    Date Established: June 25, 1897
    WWW: http://www.nazbank.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 19 (Interstate: No)
    OTS Docket #: 10399
    FDIC's unique #: 4951
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 01, 2003
    Last Structure Change Process Date: January 14, 2004
    Last Data Update: January 14, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 76 South Main Street, Nazareth, PA 18064
    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: $660.3 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, 2002)

  • Dollar figures in thousands
  • 201Total employees (full-time equivalent)
  • $606,812Total assets
  • $25,696Cash and due from depository institutions
  • $4,968Interest-bearing balances
  • $305,777Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $254,023Net loans & leases
  • $3,084Loan loss allowance
  • $0Trading account assets
  • $6,375Bank premises and fixed assets
  • $0Other real estate owned
  • $1,710Goodwill and other intangibles
  • $0Life insurance assets
  • $11,231All other assets
  • $606,812Total liabilities and capital
  • $561,763Total liabilities
  • $478,154Total deposits
  • $413,806Interest-bearing deposits
  • $478,154Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $8,801Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $67,921Other borrowed funds
  • $1,000Subordinated debt
  • $5,887All other liabilities
  • $45,049Total equity capital
  • $45,049Total bank equity capital
  • $45,049Perpetual preferred stock
  • $0Common stock
  • $2,646Surplus
  • $16,193Undivided profits
  • Memoranda
  • $26,210Noncurrent loans and leases
  • $49,461Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,225Earning assets
  • $0Long-term assets (5+ years)
  • $3,141Average Assets, year-to-date
  • $566,768Average Assets, quarterly
  • $365,458Volatile liabilities
  • $524,823Insider loans
  • $577,424FHLB advances
  • $12,820Loans and leases held for sale
  • $2,085Unused loan commitments
  • $67,921Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,263Total risk weighted assets
  • $49,461Total unused commitments
  • $83Restructured Loans and leases
  • $4,084Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $29,454Total interest income
  • $12,089Total interest expense
  • $17,365Net interest income
  • $1,541Provision for loan and lease losses
  • $5,162Total noninterest income
  • $1,197Fiduciary activities
  • $1,931Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,034Additional noninterest income
  • $16,920Total noninterest expense
  • $9,054Salaries and employee benefits
  • $2,454Premises and equipment expense
  • $5,412Additional noninterest expense
  • $4,066Pre-tax net operating income
  • $1,226Securities gains (losses)
  • $1,037Applicable income taxes
  • $4,255Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,255Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $721Sale, conversion, retirement of capital stock, net
  • $1,801Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.01%Yield on earning assets
  • 2.47%Cost of funding earning assets
  • 3.54%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 11.56%Return on equity (ROE)
  • 6.67%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 213.73%Credit loss provision to net charge-offs
  • 7.78%Efficiency ratio
  • 75,110Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.33%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 138.61%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 53.13%Net loans and leases to core deposits
  • 53.58%Equity capital to assets
  • 7.42%Core capital (leverage) ratio
  • 7.48%Tier 1 risk-based capital ratio
  • 14.27%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $524,823Average earning assets
  • $36,806Average equity
  • $489,911Average loans

Total Fiduciary and Related Assets (December 31, 2002)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $185,331Managed Assets
  • 1Number of Accounts
  • $164,725Personal trust and agency accounts
  • $62,311Employee benefit-defined contribution accounts
  • $26,731Employee benefit-defined benefit accounts
  • $6,871Other retirement accounts
  • $14,266Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $54,546Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 532Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $20,606Other retirement accounts
  • $1,977Corporate trust and agency accounts
  • $7,572Other fiduciary accounts
  • $1,782Fiduciary accounts held in foreign offices

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