The Citizens National Bank in Lansford, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 26, 2004

  • The Citizens National Bank in Lansford, Pennsylvania (PA)
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The Citizens National Bank - Overview

  • General
  • FDIC Certificate #: 7558
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Harleysville National Bank and Trust Company (#7516)
    Federal Reserve ID: 595618
    Date Established: December 03, 1903
    WWW: http://www.citizensnat.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Interstate: No)
    OTS Docket #: 12623
    FDIC's unique #: 4904
    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: March 26, 2004
    Last Structure Change Process Date: April 13, 2004
    Last Data Update: April 13, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 13-15 West Ridge Street, Lansford, PA 18232
    County: Carbon
    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: $465.9 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, 2003)

  • Dollar figures in thousands
  • 119Total employees (full-time equivalent)
  • $465,885Total assets
  • $12,219Cash and due from depository institutions
  • $514Interest-bearing balances
  • $186,727Securities
  • $5,790Federal funds sold & reverse repurchase agreements
  • $237,528Net loans & leases
  • $3,776Loan loss allowance
  • $0Trading account assets
  • $4,345Bank premises and fixed assets
  • $519Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $18,757All other assets
  • $465,885Total liabilities and capital
  • $428,609Total liabilities
  • $375,721Total deposits
  • $326,961Interest-bearing deposits
  • $375,721Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,422Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $40,000Other borrowed funds
  • $0Subordinated debt
  • $9,466All other liabilities
  • $37,276Total equity capital
  • $37,276Total bank equity capital
  • $37,276Perpetual preferred stock
  • $0Common stock
  • $2,256Surplus
  • $10,569Undivided profits
  • Memoranda
  • $24,451Noncurrent loans and leases
  • $53,587Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $963Earning assets
  • $0Long-term assets (5+ years)
  • $2,052Average Assets, year-to-date
  • $430,559Average Assets, quarterly
  • $204,072Volatile liabilities
  • $475,400Insider loans
  • $474,763FHLB advances
  • $18,515Loans and leases held for sale
  • $348Unused loan commitments
  • $40,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $53,587Total unused commitments
  • $0Restructured Loans and leases
  • $3,767Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $23,586Total interest income
  • $8,069Total interest expense
  • $15,517Net interest income
  • $100Provision for loan and lease losses
  • $3,197Total noninterest income
  • $0Fiduciary activities
  • $1,552Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,645Additional noninterest income
  • $11,012Total noninterest expense
  • $5,007Salaries and employee benefits
  • $1,568Premises and equipment expense
  • $4,437Additional noninterest expense
  • $7,602Pre-tax net operating income
  • $2,066Securities gains (losses)
  • $1,839Applicable income taxes
  • $7,829Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,829Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $550Sale, conversion, retirement of capital stock, net
  • $5,457Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 1.84%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.65%Return on assets (ROA)
  • 2.03%Pretax return on assets
  • 21.21%Return on equity (ROE)
  • 6.43%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 18.18%Credit loss provision to net charge-offs
  • 14.00%Efficiency ratio
  • 58,844Assets per employee
  • 3.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.70%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 392.11%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 63.22%Net loans and leases to core deposits
  • 65.87%Equity capital to assets
  • 8.00%Core capital (leverage) ratio
  • 7.49%Tier 1 risk-based capital ratio
  • 11.82%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $475,400Average earning assets
  • $36,907Average equity
  • $438,980Average loans

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