Northumberland Bancorp : Call Report

Board of Governors of the Federal Reserve System	OMB Number 7100-0036
Federal Deposit Insurance Corporation	OMB Number 3064-0052
Office of the Comptroller of the Currency	OMB Number 1557-0081
Approval expires December 31, 2024
Page 1 of 65

Federal Financial Institutions Examination Council

Consolidated Reports of Condition and Income for

a Bank with Domestic Offices Only and Total Assets

Less than $5 Billion-FFIEC 051

Report at the close of business March 31, 2022

This report is required by law: 12 U.S.C. §324 (State member banks); 12 U.S.C. §1817 (State nonmember banks); 12 U.S.C. §161 (National banks); and 12 U.S.C. §1464 (Savings associations).

Unless the context indicates otherwise, the term "bank" in this report form refers to both banks and savings associations.

NOTE: Each bank's board of directors and senior management are responsible for establishing and maintaining an effective system of internal control, including controls over the Reports of Condition and Income. The Reports of Condition and Income are to be prepared in accordance with federal regulatory authority instructions. The Reports of Condition and Income must be signed by the Chief Financial

Officer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two directors (trustees) for state nonmember banks and three directors for state member banks, national banks, and savings associations.

I, the undersigned CFO (or equivalent) of the named bank, attest that the Reports of Condition and Income (including the supporting

Signature of Chief Financial Officer (or Equivalent)

(20220331)

(RCON 9999)

This report form is to be filed by banks with domestic offices only and total assets less than $5 billion, except such banks that (1) are advanced approaches institutions or are subject to Category III captial standards for regulatory capital purposes,

(2) are large or highly complex institutions for deposit insurance assessment purposes, or (3) have elected, or have been required by their primary federal regulator, to file the FFIEC 041.

schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct to the best of my knowledge and belief.

We, the undersigned directors (trustees), attest to the correctness of the Reports of Condition and Income (including the supporting schedules) for this report date and declare that the Reports of Condition and Income have been examined by us and to the best of our knowledge and belief have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct.

Director (Trustee)Director (Trustee)

Date of Signature

Submission of Reports

Each bank must file its Reports of Condition and Income (Call Report) data by either:

• (a) Using computer software to prepare its Call Report and then submitting the report data directly to the FFIEC's Central Data Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or

• (b) Completing its Call Report in paper form and arranging with a software vendor or another party to convert the data into the electronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the bank's data file to the CDR.

For technical assistance with submissions to the CDR, please contact the CDR Help Desk by telephone at (888) CDR-3111, by fax at [phone], or by e-mail [e-mail].

FDIC Certificate Number

Director (Trustee)

To fulfill the signature and attestation requirement for the Reports of Condition and Income for this report date, attach your bank's completed signature page (or a photocopy or a computer-generated version of this page) to the hard-copy record of the data file submitted to the CDR that your bank must place in its files.

The appearance of your bank's hard-copy record of the submitted data file need not match exactly the appearance of the FFIEC's sample report forms, but should show at least the caption of each Call Report item and the reported amount.

THE NORTHUMBERLAND NATIONAL BANK

Legal Title of Bank (RSSD 9017)

NORTHUMBERLAND

City (RSSD 9130)

PA

State Abbreviation (RSSD 9200)

07666

(RSSD 9050)

Legal Entity Identifier (LEI)

17857

Zip Code (RSSD 9220)

(Report only if your institution already has an LEI.)(RCON 9224)

The estimated average burden associated with this information collection is 35.38 hours per respondent and is expected to vary by institution, depending on individual circumstances. Burden estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling and maintaining business records in the normal course of a respondent's activities. A Federal agency may not conduct or sponsor, and an organization(or a person) is not required to respond to a collection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget,Washington, DC 20503, and to one of the following: Secretary, Board of Governors of the Federal Reserve System,20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC 20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only and Total Assets Less than $5 Billion

Table of Contents

Signature Page

1

Schedule RC-E - Deposit Liabilities _____________________________ RC-13, 14

Contact Information________________________________________ 3, 4

Schedule RC-F - Other Assets ____________________________________ RC-15

Report of Income

Schedule RC-G - Other Liabilities ____________________________ _____ RC-15

Schedule RI - Income Statement _______________________ RI-1, 2, 3

Schedule RC-K - Quarterly Averages __________________________________ RC-16

Schedule RI-A - Changes in Bank Equity Capital _______________ RI-4

Schedule RC-L - Off-Balance-Sheet Items ___________________________RC-17

Schedule RI-B - Charge-offs and Recoveries on

Loans and Leases and Changes in Allowances for Credit Losses:

Part I. Charge-offs and Recoveries on Loans and

Leases _____________________________________________ RI-4, 5 Part II. Changes in Allowances for Credit

Losses _______________________________________________ RI-6

Schedule RC-M - Memoranda ___________________________RC-18, 19, 20, 21

Schedule RC-N - Past Due and Nonaccrual

Loans, Leases, and Other Assets ______________________ RC-22, 23, 24, 25

Schedule RC-O - Other Data for Deposit

Insurance Assessments ____________________________________RC-26, 27

Schedule RI-C-Disaggregated Data on the

Allowance for Loan and Lease Losses (to be completed only by selected banks)__________________________ RI-7

Schedule RC-R - Regulatory Capital:

Part I. Regulatory Capital Components and Ratios_____________________________________________ RC-28, 29, 30,31

Schedule RI-E - Explanations ____________________________ RI-8, 9

Part II. Risk-Weighted Assets ______________________ _____________RC-32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45

Report of Condition

Schedule RC - Balance Sheet ____________________________ RC-1, 2

Schedule RC-T - Fiduciary and Related

Services _________________________________________ RC- 46, 47, 48, 49

Schedule RC-B - Securities ___________________________ RC-3, 4, 5

Schedule SU-Supplemental Information__________________________ SU-1, 2

Schedule RC-C - Loans and Lease Financing

Receivables:

Part I. Loans and Leases_________________________RC- 6, 7, 8, 9, 10

Part II. Loans to Small Businesses and

Small Farms______________________________________ RC-11, 12

Optional Narrative Statement Concerning the Amounts Reported in the Consolidated Reports of Condition and Income_____________________________ ___________ SU-3

For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC's Data Collection and Analysis Section, 550 17th Street, NW, Washington, DC 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank.

Contact Information for the Reports of Condition and Income

To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for (1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter, and (2) the person at the bank - other than the Chief Financial Officer (or equivalent) - to whom questions about the reports should be directed. If the Chief Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter "none" for the contact's e-mail address or fax number if not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.

Chief Financial Officer (or Equivalent) Signing	Other Person to Whom Questions about
the Reports	the Reports Should be Directed
Michael DePorter	Christy L Chamberlin
Name (TEXT C490)	Name (TEXT C495)
SVP/CFO	AVP Finance/Controller
Title (TEXT C491)	Title (TEXT C496)
[e-mail]	[e-mail]
E-mail Address (TEXT C492)	E-mail Address (TEXT 4086)
[phone]	[phone]
Area Code/Phone Number/Extension (TEXT C493)	Area Code/Phone Number/Extension (TEXT 8902)
[phone]	[phone]
Area Code/FAX Number (TEXT C494)	Area code/FAX Number (TEXT 9116)
Chief Executive Officer Contact Information

This information is being requested so the Agencies can distribute notifications about policy initiatives, deposit insurance assessments, and other matters directly to the Chief Executive Officers of reporting institutions. Notifications about other matters may include emergency notifications that may or may not also be sent to the institution's emergency contacts listed below. Please provide contact information for the Chief Executive Officer of the reporting institution. Enter "none" for the Chief Executive Officer's e-mail address or fax number if not available. Chief Executive Officer contact information is for the confidential use of the Agencies and will not be released to the public.

Chief Executive Officer

J. Todd Troxell	[phone]
Name (TEXT FT42 )	Area Code/Phone Number/Extension (TEXT FT43)
[e-mail]	[phone]
E-mail Address (TEXT FT44)	Area Code/FAX Number (TEXT FT45)
Emergency Contact Information

This information is being requested so the Agencies can distribute critical, time sensitive information to emergency contacts at banks. Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information for a secondary contact if available. Enter "none" for the contact's e-mail address or fax number if not available. Emergency contact information is for the confidential use of the Agencies and will not be released to the public.

Primary Contact	Secondary Contact
J. Todd Troxell	Michael DePorter
Name (TEXT C366)	Name (TEXT C371)
President and CEO	SVP/CFO
Title (TEXT C367)	Title (TEXT C372)
[e-mail]	[e-mail]
E-mail Address (TEXT C368)	E-mail Address (TEXT C373)
[phone]	[phone]
Area Code/Phone Number/Extension (TEXT C369)	Area Code/Phone Number/Extension (TEXT C374)
[phone]	[phone]
Area Code/FAX Number (TEXT C370)	Area Code/FAX Number (TEXT C375)

USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information

This information is being requested to identify points-of-contact who are in charge of your bank's USA PATRIOT Act Section 314(a) information requests. Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement Network (FinCEN) for additional information related to specific Section 314(a) search requests or other anti-terrorist financing and anti-money laundering matters. Communications sent by FinCEN to the bank for purposes other than Section 314(a) notifications will state the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law enforcement officers or FinCEN must be done in compliance with applicable law, including the Right to Financial Privacy Act (12 U.S.C. 3401 et seq.).

Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the bank's option. Enter "none" for the contact's e-mail address if not available. This contact information is for the confidential use of the Agencies, FinCEN, and law enforcement officers and will not be released to the public.

Primary Contact	Secondary Contact
Danielle Sugden	Lisa Hassinger
Name (TEXT C437)	Name (TEXT C442)
AVP and BSA Officer	SVP and Chief Risk Officer
Title (TEXT C438)	Title (TEXT C443)
[e-mail]	[e-mail]
E-mail Address (TEXT C439)	E-mail Address (TEXT C444)
[phone]	[phone]
Area Code/Phone Number/Extension (TEXT C440)	Area Code/Phone Number/Extension (TEXT C445)
Third Contact	Fourth Contact
Brad Huyck	Nicole VanHorn
Name (TEXT C870)	Name (TEXT C875)
SVP Director of IT	BSA/Compliance Specialist
Title (TEXT C871)	Title (TEXT C876)
[e-mail]	[e-mail]
E-mail Address (TEXT C872)	E-mail Address (TEXT C877)
[phone]	[phone]
Area Code/Phone Number/Extension (TEXT C873)	Area Code/Phone Number/Extension (TEXT C878)

THE NORTHUMBERLAND NATIONAL BANK Legal Title of Bank

NORTHUMBERLAND City

PA State

FDIC Certificate Number:

17857

Zip Code

07666

Consolidated Report of Income for the period January 1, 2022 - March 31, 2022

Schedule RI-Income Statement

• 1. Interest income:

  • a. Interest and fee income on loans:

    • (1) Loans secured by real estate:

      Dollar Amounts in Thousands

      RIADAmount

      • (a) Loans secured by 1-4 family residential properties________________________________________________4_4_3_5______

      • (b) All other loans secured by real estate___________________________________________________________4_43_6______

    • (2) Commercial and industrial loans__________________________________________________________________4_0_1_2_____

    • (3) Loans to individuals for household, family, and other personal expenditures:

      • (a) Credit cards________________________________________________________________________________B4_8_5____

      • (b) Other (includes revolving credit plans other than credit cards, automobile loans, and other consumer loans) ______________________________________________________________________B486

    • (4) Not applicable

      66

  • b. Income from lease financing receivables______________________________________________________________4_0_6_5____

  • c. Interest income on balances due from depository institutions (2)___________________________________________4_1_15____

    • (5) All other loans (1)______________________________________________________________________________40_5_8____

    • (6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5))___________________________4_0_1_0_____

  • d. Interest and dividend income on securities:

    • (1) U.S. Treasury securities and U.S. Government agency obligations

      128 3,752 0 6

      (excluding mortgage-backed securities)___________________________________________________________B_4_8_8____

    • (2) Mortgage-backed securities_____________________________________________________________________B_4_8_9____

      1,881 558 1,119

      0

      69 273

    • (3) All other securities (includes securities issued by states and political subdivisions in the U.S.)_________________________________________________________________4_0_6_0____

  • e. Not applicable

    393

  • f. Interest income on federal funds sold and securities purchased under agreements to resell______________________4_0_2_0____

  • g. Other interest income_____________________________________________________________________________4_5_1_8____

  • h. Total interest income (sum of items 1.a.(6) through 1.g)_________________________________________________4_1_0_7___

• 2. Interest expense:

  • a. Interest on deposits:

    4,522

    • (1) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts)_________________________________________________4_5_0_8_________

    • (2) Nontransaction accounts:

      • (a) Savings deposits (includes MMDAs) ____________________________________________________________0093

        14

        269

      • (b) Time deposits of $250,000 or less _____________________________________________________________H_K_0_3______

        178

      • (c) Time deposits of more than $250,000__________________________________________________________H_K_0_4______

  • b. Expense of federal funds purchased and securities sold under agreements to repurchase______________________4180

    53

  • c. Other interest expense ___________________________________________________________________________GW44

  • d. Not applicable

0 29

0

3

• e. Total interest expense (sum of items 2.a through 2.c)________________________________40_7_3_____________5_17

• 3. Net interest income (item 1.h minus 2.e)________________________________________________________________4_0_7_4____

• 4. Provision for loan and lease losses(3)___________________________________________________________________J_J33

RI-1

1.a.(1)(a) 1.a.(1)(b) 1.a.(2)

1.a.(3)(a)

1.a.(3)(b)

1.a.(5) 1.a.(6) 1.b. 1.c.

1.d.(1) 1.d.(2)

1.d.(3)

1.f. 1.g. 1.h.

2.a.(1)

2.a.(2)(a)

2.a.(2)(b)

2.a.(2)(c)

2.b.

2.c.

4,005 250

2.e. 3. 4.

(1)Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans."

• (2) Includes interest income on time certificates of deposit not held for trading.

• (3) Institutions that have adopted ASU 2016-13 should report in item 4 the provisions for credit losses on all financial assets and off-balance-sheet credit exposures that fall within the scope of the standard.