WNB Bank in Williamsport, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 22, 2005

  • WNB Bank in Williamsport, Pennsylvania (PA)
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WNB Bank - Overview

  • General
  • FDIC Certificate #: 7813
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Susquehanna Bank (#7579)
    Federal Reserve ID: 594714
    Date Established: January 01, 1857
    WWW: http://www.wnb.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    FDIC's unique #: 5036
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 22, 2005
    Last Structure Change Process Date: April 15, 2005
    Last Data Update: April 15, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 329 Pine Street, Williamsport, PA 17701
    County: Lycoming
    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): Williamsport, PA (#9140)
    Combined Statistical Area (CSA): Williamsport-Lock Haven, PA (#558)
    Core Based Statistical Area (CBSA): Williamsport, PA (#48700)
    CBSA Metro Statistical Area: Williamsport, PA (#48700)
  • Financial Summary
  • Total assets: $312.2 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, 2004)

  • Dollar figures in thousands
  • 85Total employees (full-time equivalent)
  • $312,167Total assets
  • $5,622Cash and due from depository institutions
  • $50Interest-bearing balances
  • $25,016Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $255,404Net loans & leases
  • $3,074Loan loss allowance
  • $0Trading account assets
  • $1,468Bank premises and fixed assets
  • $1,327Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $23,330All other assets
  • $312,167Total liabilities and capital
  • $281,855Total liabilities
  • $217,556Total deposits
  • $175,870Interest-bearing deposits
  • $217,556Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $12,505Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $50,000Other borrowed funds
  • $0Subordinated debt
  • $1,794All other liabilities
  • $30,312Total equity capital
  • $30,312Total bank equity capital
  • $30,312Perpetual preferred stock
  • $0Common stock
  • $612Surplus
  • $2,388Undivided profits
  • Memoranda
  • $27,312Noncurrent loans and leases
  • $40,011Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,614Earning assets
  • $0Long-term assets (5+ years)
  • $997Average Assets, year-to-date
  • $280,470Average Assets, quarterly
  • $58,822Volatile liabilities
  • $313,507Insider loans
  • $316,413FHLB advances
  • $73,224Loans and leases held for sale
  • $10,594Unused loan commitments
  • $35,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $162Total risk weighted assets
  • $40,011Total unused commitments
  • $0Restructured Loans and leases
  • $3,074Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $18,093Total interest income
  • $4,315Total interest expense
  • $13,778Net interest income
  • $600Provision for loan and lease losses
  • $2,594Total noninterest income
  • $0Fiduciary activities
  • $1,111Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,483Additional noninterest income
  • $8,206Total noninterest expense
  • $3,310Salaries and employee benefits
  • $531Premises and equipment expense
  • $4,365Additional noninterest expense
  • $7,566Pre-tax net operating income
  • $1Securities gains (losses)
  • $1,902Applicable income taxes
  • $5,665Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,665Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $146Sale, conversion, retirement of capital stock, net
  • $8,250Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.43%Yield on earning assets
  • 1.53%Cost of funding earning assets
  • 4.89%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • 1.81%Net operating income to assets
  • 1.81%Return on assets (ROA)
  • 2.41%Pretax return on assets
  • 18.15%Return on equity (ROE)
  • -8.28%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 410.96%Credit loss provision to net charge-offs
  • 55.93%Efficiency ratio
  • 50,122Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 145.63%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 85.06%Noncurrent assets plus other real estate owned to assets
  • 1.24%Noncurrent loans to loans
  • 1.40%Net loans and leases to deposits
  • 117.40%Net loans and leases to core deposits
  • 123.48%Equity capital to assets
  • 9.71%Core capital (leverage) ratio
  • 9.60%Tier 1 risk-based capital ratio
  • 12.29%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $313,507Average earning assets
  • $31,221Average equity
  • $281,560Average loans

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