The Citizens National Bank
Lansford, PA — Domestic Branch of a Domestic Bank
Acquired Mar 2004
Vitals
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Total Assets465.9M -3.9 %
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Total Deposits375.7M -6.0 %
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Total Net Loans237.5M -4.1 %
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Net Income7.8M 16.8 %
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Book Value37.3M 6.4 %
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Book Value x274.6M 6.4 %
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Book Value x3111.8M 6.4 %
Balance Sheet Highlights
| Financial Highlights | The Citizens National Bank | All Insured Commercial Banks in Pennsylvania |
| Balance Sheet $(000) | ||
| Total Assets | 465,885 | 395,568 |
| Total Net Loans | 237,528 | 234,381 |
| Total Deposits | 375,721 | 297,577 |
| Total Equity | 37,276 | 37,149 |
| Profitability | ||
| Net Income | 7,829 | 16,607 |
| Return on Average Assets | 1.656 | 1.153 |
| Return on Average Equity | 21.213 | 11.811 |
| Net Interest Margin | 3.929 | 3.764 |
| Efficiency Ratio | 53.213 | 64.445 |
| Noninterest Income/Revenue | 11.115 | 15.49 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 63.219 | 76.186 |
| Securities/Assets | .401 | .424 |
| Total Equity/Total Assets | .08 | .094 |
| Tangible Equity/Tangible Assets | .08 | -.055 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 35,630 | 33,874 |
| Tier 2 Capital | 3,767 | 3,098 |
| Total Capital | 39,397 | 37,082 |
| Total Risk Weighted Assets | 301,349 | 268,950 |
| Leverage Ratio | 7.49 | 9.388 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 11.82 | 14.545 |
| Total Capital Ratio | 13.07 | 15.839 |
Timeline for The Citizens National Bank
The Harleysville National Bank And Trust Company
The Citizens National Bank was acquired by The Harleysville National Bank And Trust Company 20 years
View Profile Mar 27 2004
Citizens Bank And Trust Company
Acquisition: The Citizens National Bank acquired a new subsidiary, Citizens Bank And Trust Company, 24 years
View Profile Apr 22 2000
The Citizens National Bank Of Slatington
Acquisition: The Citizens National Bank acquired a new subsidiary, The Citizens National Bank Of Slatington, 25 years
View Profile Jan 23 1999
Harleysville National Corporation North, Inc.
Harleysville National Corporation North, Inc. became a new parent organization for The Citizens National Bank.
View Profile Jul 24 1998
Farmers & Merchants Bank
Acquisition: The Citizens National Bank acquired a new subsidiary, Farmers & Merchants Bank, 28 years
View Profile Mar 01 1996
Want to see more?
Complete timeline for The Citizens National Bank is available.
View Complete Timeline| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| The Harleysville National Bank And Trust Company | Buyer | 5,145,939 | Pooling of Interests | Discontinued | 3/27/2004 |
| Citizens Bank And Trust Company | Seller | 131,769 | Pooling of Interests | Discontinued | 4/22/2000 |
| The Citizens National Bank Of Slatington | Seller | 79,602 | Pooling of Interests | Discontinued | 1/23/1999 |
| Farmers & Merchants Bank | Seller | 63,199 | Pooling of Interests | Discontinued | 3/1/1996 |
| Summit Hill Trust Company | Seller | 23,201 | Discontinued | 9/25/1992 |
| Relationships | Role | Relationship Start | Relationship End |
| Harleysville National Corporation | Parent | 2/14/2001 | 3/26/2004 |
| Harleysville National Corporation North, Inc. | Parent | 7/24/1998 | 2/13/2001 |
| Harleysville National Corporation | Parent | 2/13/1991 | 7/23/1998 |
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