FDIC Certificate #: 7621 Status: Active Federal Reserve ID: 797319 Bank Holding Company (Regulatory Top Holder): Fnbm Financial Corporation (RSSDID: 1140604, Location: Minersville, PA) Date Established: May 05, 1864 WWW:http://www.fnbminersville.com Trust Powers Granted: Yes 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) FDIC's unique #: 4941 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: 260 Sunbury Street, Minersville, PA 17954 County: Schuylkill 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 Core Based Statistical Area (CBSA): Pottsville, PA (#39060) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $83.1 mil Equity capital: $11.9 mil Deposits held in domestic offices: $71.0 mil Return on assets (ROA): 0.61% ($0.5 mil) Quarterly return on assets: 0.12% ($0.1 mil) Return on Equity (ROE): 4.35% ($0.5 mil) Quarterly return on equity: 0.84% ($0.1 mil) Net income: $0.5 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.86% ($714.4 mil) Quarterly Pretax return on assets: 0.42% ($348.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
22Total employees (full-time equivalent)
$83,075Total assets
$7,200Cash and due from depository institutions
$0Interest-bearing balances
$28,670Securities
$2,259Federal funds sold & reverse repurchase agreements
$40,590Net loans & leases
$582Loan loss allowance
$2,165Trading account assets
$900Bank premises and fixed assets
$312Other real estate owned
$0Goodwill and other intangibles
$83,075Life insurance assets
$979All other assets
$71,140Total liabilities and capital
$71,049Total liabilities
$63,501Total deposits
$71,049Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$91Subordinated debt
$11,935All other liabilities
$11,935Total equity capital
$11,935Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$500Surplus
$11,185Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$588Income earned, not collected on loans
$0Earning assets
$330Long-term assets (5+ years)
$73,684Average Assets, year-to-date
$47,851Average Assets, quarterly
$84,748Volatile liabilities
$84,880Insider loans
$42,929FHLB advances
$86,227Loans and leases held for sale
$17Unused loan commitments
$17Tier 1 (core) risk-based capital
$11,836Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,671Restructured Loans and leases
$1,854Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,430Total interest income
$379Total interest expense
$3,051Net interest income
$64Provision for loan and lease losses
$314Total noninterest income
$190Fiduciary activities
$22Service charges on deposit accounts
-$53Trading account gains & fees
$155Additional noninterest income
$2,575Total noninterest expense
$1,406Salaries and employee benefits
$204Premises and equipment expense
$965Additional noninterest expense
$726Pre-tax net operating income
$0Securities gains (losses)
$212Applicable income taxes
$514Income before extraordinary items
$0Extraordinary gains - net
$514Net income attributable to bank
$0Net charge-offs
$514Cash dividends
$10Sale, conversion, retirement of capital stock, net
$206Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.54%Yield on earning assets
0.50%Cost of funding earning assets
4.04%Net interest margin
0.42%Noninterest income to earning assets
3.41%Noninterest expense to earning assets
0.61%Net operating income to assets
0.61%Return on assets (ROA)
0.86%Pretax return on assets
4.35%Return on equity (ROE)
2.61%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
640.00%Credit loss provision to net charge-offs
79.00%Efficiency ratio
76,523Assets per employee
3.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.08%Loss allowance to loans
1.41%Loss allowance to noncurrent loans
98.98%Noncurrent assets plus other real estate owned to assets
1.08%Noncurrent loans to loans
1.43%Net loans and leases to deposits
57.13%Net loans and leases to core deposits
60.71%Equity capital to assets
14.37%Core capital (leverage) ratio
13.73%Tier 1 risk-based capital ratio
27.57%Total risk-based capital ratio
Memoranda
$29Average assets
$84,748Average earning assets
$11,817Average equity
$75,474Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The First National Bank of Minersville.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: