Vitals
  • Total Assets
    685.5M 1.2 %
  • Total Deposits
    587.2M 1.6 %
  • Total Net Loans
    479.5M 5.5 %
  • Net Income
    3.4M 12.1 %
  • Book Value
    96.1M -1.2 %
  • Book Value x2
    192.2M -1.2 %
  • Book Value x3
    288.3M -1.2 %
ROAA

.495

ROAE

3.443

Efficiency Ratio

76.239

Net Interest Margin

3.492

Balance Sheet Highlights
Financial Highlights First Northern Bank And Trust Company All Insured Commercial Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 685,487 784,148
Total Net Loans 479,472 559,183
Total Deposits 587,224 637,080
Total Equity 96,092 81,247
Profitability
Net Income 3,405 6,303
Return on Average Assets .495 .785
Return on Average Equity 3.443 7.431
Net Interest Margin 3.492 3.473
Efficiency Ratio 76.239 69.514
Noninterest Income/Revenue 7.745 18.146
Balance Sheet Ratios
Loan-to-Deposit 81.651 86.432
Securities/Assets .259 .178
Total Equity/Total Assets .14 .104
Tangible Equity/Tangible Assets .14 .094
Capital Adequacy
Tier 1 Common Capital 96,681 72,881
Tier 1 Capital 96,681 73,172
Tier 2 Capital 4,772 6,143
Total Capital 101,453 79,518
Total Risk Weighted Assets 460,764 578,873
Leverage Ratio 13.88 9.899
Common Equity Tier 1 Capital Ratio 20.98 13.811
Tier 1 Capital Ratio 20.98 13.878
Total Capital Ratio 22.02 15.103

Timeline for First Northern Bank And Trust Company

Palm Bancorp

Palm Bancorp became a new parent organization for First Northern Bank And Trust Company.

View Profile Nov 10 1982

First Northern Bank And Trust Company

First Northern Bank And Trust Company was established 116 years ago and is currently headquartered in Palmerton, PA.

Oct 24 1907
Relationships Role Relationship Start Relationship End
Palm Bancorp Parent 12/31/1983
Palm Bancorp Parent 11/10/1982 12/30/1983
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