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

This bank is inactive as of April 12, 1996

The First National Bank of Centre Hall in Centre Hall, Pennsylvania (PA)
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The First National Bank of Centre Hall - Overview

General
FDIC Certificate #: 7430
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Northwest Savings Bank (#28178)
Federal Reserve ID: 779418
Date Established: January 01, 1922
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Interstate: No)
FDIC's unique #: 4837
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: April 12, 1996
Last Structure Change Process Date: April 30, 1996
Last Data Update: April 30, 1996
Data Source Date: April 05, 2012
Location
Address: 219 North Pennsylvania Avenue, Centre Hall, PA 16828
County: Centre
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
Metropolitan Statistical Area (MSA): State College, PA (#8050)
Core Based Statistical Area (CBSA): State College, PA (#44300)
CBSA Metro Statistical Area: State College, PA (#44300)
Financial Summary
Total assets: $38.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$24Total assets
$39,768Cash and due from depository institutions
$1,349Interest-bearing balances
$0Securities
$6,642Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$30,862Loan loss allowance
$187Trading account assets
$0Bank premises and fixed assets
$304Other real estate owned
$103Goodwill and other intangibles
$508Life insurance assets
$0All other assets
$0Total liabilities and capital
$39,768Total liabilities
$35,813Total deposits
$33,519Interest-bearing deposits
$27,930Deposits held in domestic offices
33519.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,985Subordinated debt
$0All other liabilities
$309Total equity capital
$309Total bank equity capital
$3,955Perpetual preferred stock
$0Common stock
$150Surplus
$680Undivided profits
Memoranda
$3,125Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$310Income earned, not collected on loans
$165Earning assets
$37,504Long-term assets (5+ years)
$23,864Average Assets, year-to-date
$38,590Average Assets, quarterly
$39,784Volatile liabilities
$5,216Insider loans
$462FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$873Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,930Total risk weighted assets
$24,877Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$2,956Total interest expense
$1,293Net interest income
$1,663Provision for loan and lease losses
$50Total noninterest income
$182Fiduciary activities
$0Service charges on deposit accounts
$113Trading account gains & fees
$0Additional noninterest income
$69Total noninterest expense
$1,301Salaries and employee benefits
$557Premises and equipment expense
$194Additional noninterest expense
$550Pre-tax net operating income
$494Securities gains (losses)
$0Applicable income taxes
$135Income before extraordinary items
$359Extraordinary gains - net
$0Net income attributable to bank
$359Net charge-offs
$30Cash dividends
$86Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.20%Cost of funding earning assets
3.59%Net interest margin
4.61%Noninterest income to earning assets
0.50%Noninterest expense to earning assets
3.61%Net operating income to assets
0.93%Return on assets (ROA)
0.93%Pretax return on assets
1.28%Return on equity (ROE)
9.41%Retained earnings to average equity (YTD only)
7.16%Net charge-offs to loans
0.10%Credit loss provision to net charge-offs
166.67%Efficiency ratio
70,515Assets per employee
1.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
23.96%Loss allowance to loans
0.60%Loss allowance to noncurrent loans
60.32%Noncurrent assets plus other real estate owned to assets
1.04%Noncurrent loans to loans
1.00%Net loans and leases to deposits
92.07%Net loans and leases to core deposits
101.90%Equity capital to assets
9.95%Core capital (leverage) ratio
9.96%Tier 1 risk-based capital ratio
15.80%Total risk-based capital ratio
Memoranda
$17Average assets
$38,590Average earning assets
$3,814Average equity
$36,065Average loans

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