Dnb financial corp /pa/ (DNBF)
Balance Sheet / TTM
Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Dec'10
Assets
Cash and due from banks

19,722

46,398

34,893

17,321

10,702

33,452

14,078

10,917

19,490

36,189

44,068

22,103

30,442

20,146

38,740

21,119

18,959

27,493

28,335

12,504

23,891

28,428

35,692

32,710

19,221

54,040

15,575

17,149

18,993

16,386

21,790

32,877

22,815

30,479

18,360

Cash and cash equivalents

19,722

46,398

34,893

17,321

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Funds Sold

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,350

-

-

-

-

-

-

-

-

-

0

8,000

Cash and cash equivalents

-

-

-

-

10,702

33,452

14,078

10,917

19,490

36,189

44,068

22,103

30,442

20,146

38,740

21,119

18,959

27,493

28,335

12,504

23,891

28,428

35,692

34,060

-

-

-

17,149

-

-

-

-

-

-

-

Cash and cash equivalents

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

15,575

-

18,993

16,386

21,790

32,877

22,815

30,479

26,360

Available-for-sale investment securities at fair value (amortized cost of $65,716 and $98,765)

65,454

69,931

87,122

96,643

99,161

103,429

108,889

111,783

108,008

109,900

110,284

115,184

121,688

148,305

141,373

152,379

162,063

166,485

172,478

172,202

135,926

131,702

128,348

121,659

136,338

131,643

133,555

135,288

123,900

127,701

127,478

107,530

109,365

115,849

142,161

Held-to-maturity investment securities (fair value of $57,884 and $61,135)

57,491

59,949

61,000

62,026

62,069

62,145

62,219

62,390

67,140

67,249

68,138

67,022

73,789

74,835

65,650

67,829

65,300

65,227

60,480

59,454

62,160

63,069

63,481

65,299

66,031

67,274

66,974

66,024

54,090

56,013

39,277

36,427

38,469

39,780

8,431

Total investment securities

122,945

129,880

148,122

158,669

161,230

165,574

171,108

174,173

175,148

177,149

178,422

182,206

195,477

223,140

207,023

220,208

227,363

231,712

232,958

231,656

198,086

194,771

191,829

186,958

202,369

198,917

200,529

201,312

177,990

183,714

166,755

143,957

147,834

155,629

150,592

Loans held for sale

259

501

449

419

-

276

646

651

350

-

200

-

-

-

359

-

-

-

-

617

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans

923,949

930,521

933,697

934,971

908,293

885,320

864,345

845,897

819,753

816,525

816,363

817,529

509,475

494,417

489,366

481,758

470,396

472,335

464,100

455,603

449,407

439,022

430,171

415,354

399,239

389,790

402,033

396,498

-

-

-

403,684

-

-

-

Loans and leases

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

402,377

407,205

409,636

-

411,374

417,473

396,171

Allowance for credit losses

6,853

6,672

6,719

6,675

6,559

6,188

6,145

5,843

5,594

5,267

5,418

5,373

5,303

5,247

5,172

4,935

4,729

5,108

5,190

4,906

4,887

4,887

4,750

4,623

4,306

6,690

7,123

6,838

6,557

6,214

6,142

6,164

6,371

6,443

5,884

Net loans

917,096

923,849

926,978

928,296

901,734

879,132

858,200

840,054

814,159

811,258

810,945

812,156

504,172

489,170

484,194

476,823

465,667

467,227

458,910

450,697

444,520

434,135

425,421

410,731

394,933

383,100

394,910

389,660

395,820

400,991

403,494

397,520

405,003

411,030

390,287

Restricted stock

5,760

5,734

6,389

5,616

5,864

6,950

7,363

7,641

6,371

6,566

5,400

5,381

3,623

3,318

3,166

3,447

2,964

2,864

2,720

2,587

2,867

2,820

2,734

2,903

2,904

2,964

3,426

3,426

3,427

3,468

3,498

3,625

3,758

3,898

4,201

Office property and equipment, net

7,049

7,230

7,360

7,636

7,881

8,150

8,366

8,649

8,898

9,099

9,203

9,243

9,033

8,557

7,817

6,806

6,630

6,629

7,490

7,668

7,825

7,973

8,120

8,218

8,179

8,117

8,275

8,456

8,341

8,534

7,980

7,846

7,905

8,073

8,248

Operating lease right-of-use asset

3,605

3,792

3,976

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accrued interest receivable

4,122

4,297

4,396

4,207

4,210

3,911

3,982

3,822

3,791

3,558

3,590

3,567

2,639

2,390

2,569

2,410

2,542

2,388

2,572

2,253

2,277

2,248

2,360

2,297

2,464

2,463

2,726

2,470

2,788

2,645

2,858

2,536

2,637

2,392

2,283

Other real estate owned & other repossessed property

2,848

2,825

3,466

5,051

5,077

5,113

4,993

5,012

4,916

5,351

5,000

2,767

2,939

2,952

2,612

2,581

2,235

2,002

908

901

901

945

957

1,096

4,191

3,325

1,205

1,237

3,864

3,776

-

3,974

-

-

-

OREO & other repossessed property

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,855

-

3,968

3,966

4,324

Bank owned life insurance (BOLI)

9,690

9,635

9,582

9,530

9,472

9,418

9,366

9,314

9,487

9,432

9,379

9,552

9,492

9,436

9,381

9,326

9,267

9,209

9,153

9,098

9,037

8,978

8,921

8,863

8,801

8,741

8,683

8,625

8,561

8,501

8,442

8,383

8,318

8,257

8,137

Core deposit intangible

281

302

322

343

364

388

411

435

459

485

511

537

56

59

63

66

70

74

78

82

86

91

95

111

129

146

163

181

197

215

98

111

185

185

160

Goodwill

15,525

15,525

15,525

15,525

15,525

15,525

15,525

15,525

15,525

15,525

15,525

15,590

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net deferred taxes

2,496

2,416

2,407

2,762

3,084

3,075

2,979

2,980

4,855

4,882

4,898

5,250

-

-

-

3,733

-

-

-

3,446

-

-

-

3,788

-

-

-

3,561

-

-

-

3,614

-

-

-

Net deferred taxes

-

-

-

-

-

-

-

-

-

-

-

-

3,592

2,930

2,946

-

3,512

3,909

3,433

-

3,696

3,299

3,479

-

4,311

4,363

3,635

-

3,082

3,378

3,398

-

3,091

3,056

3,822

Other assets

2,096

2,025

2,829

2,860

2,972

2,645

3,013

2,742

2,234

1,966

2,798

2,333

8,807

2,074

2,570

2,299

2,682

2,436

1,883

1,821

2,234

1,474

1,651

2,448

2,307

1,449

2,650

3,491

3,130

2,479

2,796

2,656

3,574

3,032

3,918

Total assets

1,113,494

1,154,409

1,166,694

1,158,235

1,128,115

1,133,609

1,100,030

1,081,915

1,065,683

1,081,460

1,089,939

1,070,685

770,272

764,172

761,440

748,818

741,891

755,943

748,440

723,330

695,420

685,162

681,259

661,473

649,809

667,625

641,777

639,568

626,193

634,087

624,964

607,099

609,088

629,997

602,332

Liabilities and Stockholders' Equity
Liabilities
Non-interest-bearing deposits

174,341

178,454

166,806

164,746

168,311

175,561

172,044

176,815

198,399

181,529

176,199

173,467

146,731

135,212

131,951

125,581

120,018

122,642

113,419

102,107

116,758

116,989

110,866

101,853

95,606

91,200

86,343

85,055

84,867

87,729

81,707

68,371

61,025

64,756

58,948

Interest-bearing deposits:
NOW

204,646

214,806

233,077

236,071

213,707

216,261

207,538

199,310

195,455

209,355

218,133

224,219

169,400

185,279

201,566

185,973

189,502

209,606

215,799

205,816

173,168

174,044

177,300

170,427

169,334

177,027

167,871

161,844

155,420

160,191

159,753

171,321

166,532

168,186

163,104

Money market

225,549

236,707

231,524

235,023

227,797

254,061

253,757

221,726

217,870

240,434

221,356

184,783

160,312

149,108

138,241

137,555

139,213

145,283

144,648

143,483

143,771

133,479

127,961

130,835

134,416

137,142

123,038

122,953

115,587

118,431

122,334

107,368

110,978

114,309

89,944

Savings

76,903

79,489

78,748

77,979

78,996

80,044

81,635

81,050

81,030

84,820

84,700

86,176

73,867

75,236

75,535

72,660

71,316

73,461

70,363

66,634

64,550

63,844

62,349

60,090

59,620

62,918

61,046

58,256

55,063

56,420

47,778

45,250

45,671

44,123

42,521

Time

187,805

178,530

162,939

162,096

154,021

114,766

115,214

140,490

136,759

147,110

177,335

187,256

71,920

73,560

71,264

66,018

69,744

56,729

72,784

76,805

80,898

79,494

83,297

95,542

92,882

93,621

99,240

102,316

106,946

103,807

103,485

105,235

114,300

127,246

138,229

Brokered deposits

62,873

87,877

107,163

108,651

97,049

93,422

61,598

41,812

41,815

29,811

28,045

29,286

23,313

23,449

18,498

18,488

18,665

18,655

10,248

10,238

10,221

7,719

-

-

-

-

-

-

-

-

-

-

-

-

-

Total deposits

932,117

975,863

980,257

984,566

939,881

934,115

891,786

861,203

871,328

893,059

905,768

885,187

645,543

641,844

637,055

606,275

608,458

626,376

627,261

605,083

589,366

575,569

561,773

558,747

551,858

561,908

537,538

530,424

517,883

526,578

515,057

497,545

498,506

518,620

492,746

Federal Home Loan Bank of Pittsburgh (FHLBP) advances

31,188

31,203

41,918

32,935

36,952

62,972

67,993

79,013

51,047

49,869

50,972

55,332

20,000

20,000

20,000

30,000

20,000

20,000

20,000

20,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

25,000

Repurchase agreements

-

-

-

-

4,089

5,609

10,717

12,023

15,383

15,700

11,474

11,889

19,483

17,748

21,661

32,416

30,501

28,211

20,316

19,221

19,330

23,939

35,555

19,854

14,642

23,233

21,815

17,014

17,407

18,586

22,737

23,770

26,576

29,196

23,349

Junior subordinated debentures

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Subordinated debt

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

9,750

-

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

9,279

Other borrowings

254

272

289

3,305

13,554

336

351

2,738

379

393

406

418

431

442

454

464

475

485

495

505

514

523

532

541

548

556

563

571

578

584

591

598

604

610

2,602

Total borrowings

50,471

50,504

61,236

55,269

73,624

87,946

98,090

112,803

85,838

84,991

81,881

86,668

58,943

57,219

61,144

81,909

70,005

67,725

59,840

49,005

39,123

43,741

55,366

39,674

34,469

43,068

41,657

46,864

47,264

48,449

52,607

53,647

56,459

59,085

60,230

Accrued interest payable

545

641

699

646

557

561

494

554

461

552

491

534

329

377

313

345

322

355

306

351

301

355

317

376

329

396

357

421

371

433

403

444

390

468

527

Other liabilities

5,259

5,071

5,158

5,908

5,994

5,654

5,990

5,413

6,172

3,453

4,511

3,456

6,240

5,195

4,748

4,801

4,738

4,863

4,860

4,983

4,267

3,800

3,682

4,093

5,406

4,850

4,568

5,154

5,002

4,895

4,464

4,407

3,181

3,128

3,621

Operating lease liability

3,989

4,174

4,358

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total liabilities

992,381

1,036,253

1,051,708

1,046,389

1,020,056

1,028,276

996,360

979,973

963,799

982,055

992,651

975,845

711,055

704,635

703,260

693,330

683,523

699,319

692,267

659,422

633,057

623,465

621,138

602,890

592,062

610,222

584,120

582,863

570,520

580,355

572,531

556,043

558,536

581,301

557,124

Commitments and Contingencies

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

0

-

-

-

0

-

-

0

Stockholders' Equity
Preferred stock, $10.00 par value; 1,000,000 shares authorized; $1,000 liquidation preference per share; 0 and 0 issued respectively

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

3,250

3,250

3,250

13,000

13,000

13,000

12,999

12,995

12,990

12,986

12,982

12,978

12,974

12,970

12,966

12,962

12,958

11,556

11,541

Common stock, $1.00 par value; 20,000,000 shares authorized; 4,3382,223 and 4,381,872 issued, respectively; 4,334,782 and 4,321,745 outstanding, respectively

4,382

4,382

4,382

4,391

4,393

4,385

4,383

4,379

4,373

4,368

4,362

4,351

2,975

2,972

2,969

2,955

2,961

2,956

2,950

2,931

2,925

2,917

2,914

2,910

2,908

2,905

2,903

2,899

2,897

2,895

2,893

2,891

2,889

2,888

2,884

Stock warrants

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

151

151

Treasury stock, at cost; 47,441 and 60,127 shares, respectively

903

961

1,027

1,130

1,196

1,276

1,345

1,429

1,502

1,582

1,653

1,730

1,805

1,890

1,960

2,015

2,076

2,143

2,220

2,301

2,379

2,461

2,547

2,629

2,704

2,802

2,894

2,999

4,002

4,087

4,172

3,471

4,328

4,404

4,515

Surplus

69,778

69,613

69,454

69,333

69,316

69,268

69,238

69,110

69,260

69,088

69,089

68,973

35,614

35,521

35,413

35,097

35,147

35,041

34,944

34,745

34,648

34,592

34,515

34,441

34,385

34,350

34,310

34,274

35,159

35,127

35,093

34,279

35,045

35,333

35,294

Retained earnings

49,357

46,791

44,507

42,223

39,523

36,804

35,056

32,272

31,763

29,651

27,664

25,520

23,504

23,703

22,793

21,436

20,259

19,194

18,164

17,132

15,908

14,906

14,013

13,239

12,307

12,205

11,184

10,236

9,087

7,844

6,710

5,871

4,786

3,903

2,069

Accumulated other comprehensive loss

-1,501

-1,669

-2,330

-2,971

-3,977

-3,848

-3,662

-2,390

-2,010

-2,120

-2,174

-2,274

-1,071

-769

-1,035

-1,985

-1,173

-1,674

-915

-1,599

-1,739

-1,257

-1,773

-2,373

-2,139

-2,241

-828

-683

-442

-1,017

-1,057

-1,476

-798

-731

-2,216

Total stockholders' equity

121,113

118,156

114,986

111,846

108,059

105,333

103,670

101,942

101,884

99,405

97,288

94,840

59,217

59,537

58,180

55,488

58,368

56,624

56,173

63,908

62,363

61,697

60,121

58,583

57,747

57,403

57,657

56,705

55,673

53,732

52,433

51,056

50,552

48,696

45,208

Total liabilities and stockholders' equity

1,113,494

1,154,409

1,166,694

1,158,235

1,128,115

1,133,609

1,100,030

1,081,915

1,065,683

1,081,460

1,089,939

1,070,685

770,272

764,172

761,440

748,818

741,891

755,943

748,440

723,330

695,420

685,162

681,259

661,473

649,809

667,625

641,777

639,568

626,193

634,087

624,964

607,099

609,088

629,997

602,332