FDIC Certificate #: 7789 Status: Active Federal Reserve ID: 906410 Bank Holding Company (Regulatory Top Holder): Turbotville National Bancorp, Inc. (RSSDID: 1142813, Location: Turbotville, PA) Date Established: January 01, 1910 WWW:http://www.ttnb.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 #: 10448 FDIC's unique #: 5022 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 30, 2006 Last Structure Change Process Date: October 30, 2006 Last Data Update: October 30, 2006 Data Source Date: April 05, 2012
Location
Address: 4710 State Route 54, Turbotville, PA 17772 County: Northumberland 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 Combined Statistical Area (CSA): Sunbury-Lewisburg-Selinsgrove, PA (#526) Core Based Statistical Area (CBSA): Sunbury, PA (#44980) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $118.7 mil Equity capital: $17.2 mil Deposits held in domestic offices: $98.4 mil Return on assets (ROA): 1.30% ($1.5 mil) Quarterly return on assets: 1.45% ($1.7 mil) Return on Equity (ROE): 9.43% ($1.6 mil) Quarterly return on equity: 10.08% ($1.7 mil) Net income: $1.5 mil Quarterly Net income: $0.4 mil Pretax return on assets: 1.59% ($1,886.9 mil) Quarterly Pretax return on assets: 1.49% ($1,768.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$118,672Total assets
$5,057Cash and due from depository institutions
$0Interest-bearing balances
$49,726Securities
$0Federal funds sold & reverse repurchase agreements
$61,399Net loans & leases
$818Loan loss allowance
$0Trading account assets
$262Bank premises and fixed assets
$50Other real estate owned
$0Goodwill and other intangibles
$118,672Life insurance assets
$2,178All other assets
$101,439Total liabilities and capital
$98,437Total liabilities
$89,183Total deposits
$98,437Interest-bearing deposits
$98Deposits held in domestic offices
1289.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$413Trading liabilities
$0Other borrowed funds
$1,300Subordinated debt
$17,233All other liabilities
$17,233Total equity capital
$17,233Total bank equity capital
$0Perpetual preferred stock
$125Common stock
$800Surplus
$16,308Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$719Income earned, not collected on loans
$0Earning assets
$538Long-term assets (5+ years)
$111,125Average Assets, year-to-date
$82,956Average Assets, quarterly
$117,479Volatile liabilities
$119,068Insider loans
$64,074FHLB advances
$119,480Loans and leases held for sale
$1,035Unused loan commitments
$1,035Tier 1 (core) risk-based capital
$16,017Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,357Restructured Loans and leases
$493Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,194Total interest income
$1,552Total interest expense
$3,642Net interest income
$86Provision for loan and lease losses
$396Total noninterest income
$0Fiduciary activities
$184Service charges on deposit accounts
$0Trading account gains & fees
$212Additional noninterest income
$2,131Total noninterest expense
$1,051Salaries and employee benefits
$76Premises and equipment expense
$1,004Additional noninterest expense
$1,821Pre-tax net operating income
$49Securities gains (losses)
$347Applicable income taxes
$1,523Income before extraordinary items
$1Extraordinary gains - net
$1,524Net income attributable to bank
$0Net charge-offs
$1,524Cash dividends
$34Sale, conversion, retirement of capital stock, net
$435Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.75%Yield on earning assets
1.42%Cost of funding earning assets
3.33%Net interest margin
0.36%Noninterest income to earning assets
1.95%Noninterest expense to earning assets
1.26%Net operating income to assets
1.30%Return on assets (ROA)
1.59%Pretax return on assets
9.43%Return on equity (ROE)
6.74%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
252.94%Credit loss provision to net charge-offs
56.09%Efficiency ratio
52,774Assets per employee
6.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
28.54%Loss allowance to loans
1.31%Loss allowance to noncurrent loans
113.77%Noncurrent assets plus other real estate owned to assets
0.65%Noncurrent loans to loans
1.16%Net loans and leases to deposits
62.37%Net loans and leases to core deposits
64.08%Equity capital to assets
14.52%Core capital (leverage) ratio
13.41%Tier 1 risk-based capital ratio
25.00%Total risk-based capital ratio
Memoranda
$26Average assets
$117,479Average earning assets
$16,168Average equity
$109,268Average loans
List of branches
1 Pennsylvania Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5022
The Turbotville National Bank
4710 State Route 54, Turbotville, PA 17772
January 01, 1910
Full Service Brick and Mortar
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