The Moxham National Bank of Johnstown in Johnstown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 26, 1996

The Moxham National Bank of Johnstown in Johnstown, Pennsylvania (PA)
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The Moxham National Bank of Johnstown - Overview

General
FDIC Certificate #: 7541
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Promistar Bank (#14501)
Federal Reserve ID: 742010
Date Established: January 01, 1919
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 #: 10881
FDIC's unique #: 4894
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: June 26, 1996
Last Structure Change Process Date: August 14, 1996
Last Data Update: August 14, 1996
Data Source Date: April 05, 2012
Location
Address: 550 Central Avenue, Johnstown, PA 15902
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)
Financial Summary
Total assets: $194.0 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)
$116Total assets
$195,626Cash and due from depository institutions
$7,562Interest-bearing balances
$33Securities
$49,683Federal funds sold & reverse repurchase agreements
$5,900Net loans & leases
$124,278Loan loss allowance
$1,599Trading account assets
$0Bank premises and fixed assets
$5,273Other real estate owned
$119Goodwill and other intangibles
$2,811Life insurance assets
$0All other assets
$0Total liabilities and capital
$195,626Total liabilities
$180,005Total deposits
$178,223Interest-bearing deposits
$157,664Deposits held in domestic offices
178223.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$100Subordinated debt
$0All other liabilities
$1,682Total equity capital
$1,682Total bank equity capital
$15,621Perpetual preferred stock
$0Common stock
$720Surplus
$2,106Undivided profits
Memoranda
$12,795Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,140Income earned, not collected on loans
$730Earning assets
$179,894Long-term assets (5+ years)
$42,524Average Assets, year-to-date
$194,473Average Assets, quarterly
$196,348Volatile liabilities
$9,326Insider loans
$2,966FHLB advances
$0Loans and leases held for sale
$2,413Unused loan commitments
$20,815Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$15,340Total risk weighted assets
$131,656Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$14,582Total interest expense
$7,441Net interest income
$7,141Provision for loan and lease losses
$204Total noninterest income
$1,346Fiduciary activities
$564Service charges on deposit accounts
$295Trading account gains & fees
$6Additional noninterest income
$481Total noninterest expense
$6,515Salaries and employee benefits
$3,587Premises and equipment expense
$1,105Additional noninterest expense
$1,823Pre-tax net operating income
$1,768Securities gains (losses)
$61Applicable income taxes
$517Income before extraordinary items
$1,312Extraordinary gains - net
$0Net income attributable to bank
$1,312Net charge-offs
$114Cash dividends
$697Sale, 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
8.14%Cost of funding earning assets
4.15%Net interest margin
3.99%Noninterest income to earning assets
0.75%Noninterest expense to earning assets
3.64%Net operating income to assets
0.65%Return on assets (ROA)
0.67%Pretax return on assets
0.94%Return on equity (ROE)
8.97%Retained earnings to average equity (YTD only)
4.20%Net charge-offs to loans
0.09%Credit loss provision to net charge-offs
178.95%Efficiency ratio
76,764Assets per employee
1.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.13%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
140.26%Noncurrent assets plus other real estate owned to assets
0.64%Noncurrent loans to loans
0.91%Net loans and leases to deposits
69.73%Net loans and leases to core deposits
73.54%Equity capital to assets
7.99%Core capital (leverage) ratio
7.78%Tier 1 risk-based capital ratio
11.65%Total risk-based capital ratio
Memoranda
$13Average assets
$194,473Average earning assets
$14,627Average equity
$179,150Average loans

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