Armstrong County Building and Loan Association - Overview
General
FDIC Certificate #: 29471 Status: Active Federal Reserve ID: 269571 Date Established: January 01, 1925 WWW:http://www.acbla.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 3506 FDIC's unique #: 42305 Numeric code: 36 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: January 04, 1937 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 935 Fifth Avenue, Ford City, PA 16226 County: Armstrong 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 Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430) Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300) CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $85.6 mil Equity capital: $11.8 mil Deposits held in domestic offices: $73.7 mil Return on assets (ROA): 0.33% ($0.3 mil) Quarterly return on assets: 0.50% ($0.4 mil) Return on Equity (ROE): 2.39% ($0.3 mil) Quarterly return on equity: 3.64% ($0.4 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.36% ($308.0 mil) Quarterly Pretax return on assets: 0.52% ($445.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
6Total employees (full-time equivalent)
$85,568Total assets
$2,027Cash and due from depository institutions
$915Interest-bearing balances
$35,398Securities
$0Federal funds sold & reverse repurchase agreements
$45,940Net loans & leases
$222Loan loss allowance
$0Trading account assets
$140Bank premises and fixed assets
$16Other real estate owned
$0Goodwill and other intangibles
$85,568Life insurance assets
$2,047All other assets
$73,791Total liabilities and capital
$73,714Total liabilities
$73,714Total deposits
$73,714Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$77Subordinated debt
$11,777All other liabilities
$11,777Total equity capital
$11,777Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$11,777Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$728Income earned, not collected on loans
$0Earning assets
$317Long-term assets (5+ years)
$82,253Average Assets, year-to-date
$0Average Assets, quarterly
$84,299Volatile liabilities
$85,557Insider loans
$36,716FHLB advances
$85,385Loans and leases held for sale
$1,101Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,594Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,399Restructured Loans and leases
$373Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,537Total interest income
$2,167Total interest expense
$1,370Net interest income
$127Provision for loan and lease losses
$53Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$53Additional noninterest income
$990Total noninterest expense
$593Salaries and employee benefits
$64Premises and equipment expense
$333Additional noninterest expense
$306Pre-tax net operating income
$0Securities gains (losses)
$28Applicable income taxes
$278Income before extraordinary items
$0Extraordinary gains - net
$278Net income attributable to bank
$0Net charge-offs
$278Cash dividends
$77Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.35%Yield on earning assets
2.66%Cost of funding earning assets
1.68%Net interest margin
0.07%Noninterest income to earning assets
1.22%Noninterest expense to earning assets
0.33%Net operating income to assets
0.33%Return on assets (ROA)
0.36%Pretax return on assets
2.39%Return on equity (ROE)
2.39%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
164.94%Credit loss provision to net charge-offs
5.62%Efficiency ratio
69,571Assets per employee
14.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.48%Loss allowance to noncurrent loans
30.49%Noncurrent assets plus other real estate owned to assets
0.87%Noncurrent loans to loans
1.58%Net loans and leases to deposits
62.32%Net loans and leases to core deposits
65.58%Equity capital to assets
13.76%Core capital (leverage) ratio
13.58%Tier 1 risk-based capital ratio
31.58%Total risk-based capital ratio
Memoranda
$30Average assets
$84,299Average earning assets
$11,616Average equity
$81,329Average loans
List of branches
1 Pennsylvania Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42305
Armstrong County Building And Loan A
935 Fifth Avenue, Ford City, PA 16226
January 01, 1925
Full Service Brick and Mortar
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