FDIC Certificate #: 7577 Status: Active Federal Reserve ID: 432012 Date Established: January 01, 1906 WWW:http://www.fnblilly.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: 1 (Domestic: 1, Interstate: No) OTS Docket #: 12427 FDIC's unique #: 4915 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: November 01, 2007 Last Structure Change Process Date: November 01, 2007 Last Data Update: November 01, 2007 Data Source Date: April 05, 2012
Location
Address: 500 Main Street, Lilly, PA 15938 County: Cambria 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 Metropolitan Statistical Area (MSA): Johnstown, PA (#3680) Core Based Statistical Area (CBSA): Johnstown, PA (#27780) CBSA Metro Statistical Area: Johnstown, PA (#27780)
History of Changes
Corrections
Financial Summary
Total assets: $23.6 mil Equity capital: $3.9 mil Deposits held in domestic offices: $19.4 mil Return on assets (ROA): 0.41% ($0.1 mil) Quarterly return on assets: 0.28% ($0.1 mil) Return on Equity (ROE): 2.68% ($0.1 mil) Quarterly return on equity: 1.72% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.44% ($104.0 mil) Quarterly Pretax return on assets: 0.28% ($66.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$23,634Total assets
$1,125Cash and due from depository institutions
$596Interest-bearing balances
$15,344Securities
$0Federal funds sold & reverse repurchase agreements
$6,353Net loans & leases
$87Loan loss allowance
$0Trading account assets
$373Bank premises and fixed assets
$20Other real estate owned
$0Goodwill and other intangibles
$23,634Life insurance assets
$419All other assets
$19,695Total liabilities and capital
$19,410Total liabilities
$16,898Total deposits
$19,410Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$285Subordinated debt
$3,939All other liabilities
$3,939Total equity capital
$3,939Total bank equity capital
$0Perpetual preferred stock
$42Common stock
$1,245Surplus
$2,652Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$232Income earned, not collected on loans
$73Earning assets
$173Long-term assets (5+ years)
$22,293Average Assets, year-to-date
$15,735Average Assets, quarterly
$24,078Volatile liabilities
$24,451Insider loans
$10,255FHLB advances
$24,213Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,563Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$203Restructured Loans and leases
$180Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$974Total interest income
$235Total interest expense
$739Net interest income
$0Provision for loan and lease losses
$46Total noninterest income
$0Fiduciary activities
$22Service charges on deposit accounts
$0Trading account gains & fees
$24Additional noninterest income
$684Total noninterest expense
$270Salaries and employee benefits
$80Premises and equipment expense
$334Additional noninterest expense
$101Pre-tax net operating income
$5Securities gains (losses)
$7Applicable income taxes
$99Income before extraordinary items
$0Extraordinary gains - net
$99Net income attributable to bank
$0Net charge-offs
$99Cash dividends
$0Sale, conversion, retirement of capital stock, net
$42Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.29%Yield on earning assets
1.03%Cost of funding earning assets
3.25%Net interest margin
0.20%Noninterest income to earning assets
3.01%Noninterest expense to earning assets
0.39%Net operating income to assets
0.41%Return on assets (ROA)
0.44%Pretax return on assets
2.68%Return on equity (ROE)
1.55%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
87,134Assets per employee
4.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.42%Loss allowance to loans
1.35%Loss allowance to noncurrent loans
37.50%Noncurrent assets plus other real estate owned to assets
1.07%Noncurrent loans to loans
3.60%Net loans and leases to deposits
32.73%Net loans and leases to core deposits
34.11%Equity capital to assets
16.67%Core capital (leverage) ratio
14.72%Tier 1 risk-based capital ratio
34.74%Total risk-based capital ratio
Memoranda
$36Average assets
$24,078Average earning assets
$3,689Average equity
$22,713Average loans
List of branches
1 Pennsylvania Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
4915
The First National Bank Of Lilly
500 Main Street, Lilly, PA 15938
January 01, 1906
Full Service Brick and Mortar
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