First Federal Savings Bank in city_name, state_name - Detailed Financial Reports, Location

First Federal Savings Bank in Monessen, Pennsylvania (PA)
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First Federal Savings Bank - Overview

General
FDIC Certificate #: 29943
Status: Active
Federal Reserve ID: 926977
Date Established: January 01, 1922
WWW: http://www.firstfederal-savings.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 4395
FDIC's unique #: 42777
Numeric code: 34
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: October 18, 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: 6th And Donner Avenue, Monessen, PA 15062
County: Westmoreland
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
Metropolitan Statistical Area (MSA): Pittsburgh, PA (#6280)
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: $335.1 mil
Equity capital: $46.5 mil
Deposits held in domestic offices: $232.4 mil
Return on assets (ROA): 0.29% ($1.0 mil)
Quarterly return on assets: 0.09% ($0.3 mil)
Return on Equity (ROE): 2.10% ($1.0 mil)
Quarterly return on equity: 0.65% ($0.3 mil)
Net income: $1.0 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.43% ($1,440.8 mil)
Quarterly Pretax return on assets: 0.10% ($335.1 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
86Total employees (full-time equivalent)
$335,070Total assets
$14,588Cash and due from depository institutions
$12,937Interest-bearing balances
$52,448Securities
$0Federal funds sold & reverse repurchase agreements
$245,286Net loans & leases
$3,098Loan loss allowance
$0Trading account assets
$2,164Bank premises and fixed assets
$544Other real estate owned
$1,230Goodwill and other intangibles
$335,070Life insurance assets
$18,810All other assets
$288,566Total liabilities and capital
$232,404Total liabilities
$201,001Total deposits
$232,404Interest-bearing deposits
$86Deposits held in domestic offices
3000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$47,929Trading liabilities
$0Other borrowed funds
$5,233Subordinated debt
$46,504All other liabilities
$46,464Total equity capital
$46,464Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$28,370Surplus
$18,093Undivided profits
Memoranda
$40Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,145Income earned, not collected on loans
$0Earning assets
$1,245Long-term assets (5+ years)
$310,671Average Assets, year-to-date
$0Average Assets, quarterly
$341,339Volatile liabilities
$338,731Insider loans
$188,850FHLB advances
$334,007Loans and leases held for sale
$8,266Unused loan commitments
$0Tier 1 (core) risk-based capital
$45,401Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$24,323Restructured Loans and leases
$2,757Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,588Total interest income
$5,023Total interest expense
$10,565Net interest income
$850Provision for loan and lease losses
$2,858Total noninterest income
$0Fiduciary activities
$288Service charges on deposit accounts
$0Trading account gains & fees
$2,570Additional noninterest income
$11,396Total noninterest expense
$7,392Salaries and employee benefits
$2,005Premises and equipment expense
$1,999Additional noninterest expense
$1,177Pre-tax net operating income
$304Securities gains (losses)
$493Applicable income taxes
$988Income before extraordinary items
$0Extraordinary gains - net
$975Net income attributable to bank
$13Net charge-offs
$988Cash dividends
$406Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.94%Yield on earning assets
1.59%Cost of funding earning assets
3.35%Net interest margin
0.91%Noninterest income to earning assets
3.61%Noninterest expense to earning assets
0.23%Net operating income to assets
0.29%Return on assets (ROA)
0.43%Pretax return on assets
2.10%Return on equity (ROE)
2.10%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
209.36%Credit loss provision to net charge-offs
4.99%Efficiency ratio
84,087Assets per employee
3.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
144.43%Noncurrent assets plus other real estate owned to assets
0.80%Noncurrent loans to loans
0.86%Net loans and leases to deposits
105.54%Net loans and leases to core deposits
110.20%Equity capital to assets
13.87%Core capital (leverage) ratio
13.59%Tier 1 risk-based capital ratio
24.04%Total risk-based capital ratio
Memoranda
$25Average assets
$341,339Average earning assets
$46,379Average equity
$315,441Average loans

List of branches

8 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	42777	First Federal Savings Bank	6th And Donner Avenue, Monessen, PA 15062	January 01, 1922	Full Service Brick and Mortar
1	277806	Monongahela	235 West Main Street, Monongahela, PA 15063	January 01, 1922	Full Service Brick and Mortar
2	277807	Belle Vernon	1670 Broad Avenue, Belle Vernon, PA 15012	January 01, 1922	Full Service Brick and Mortar
3	277808	Uniontown	545 West Main Street, Uniontown, PA 15401	January 01, 1922	Full Service Brick and Mortar
100	277809	Donora	Meldon And Sixth Street, Donora, PA 15033	January 01, 1922	Full Service Brick and Mortar
102	277811	Perryopolis	101 Independence Street, Perryopolis, PA 15473	June 30, 1987	Full Service Brick and Mortar
103	518488	Washington	95 West Beau St, Washington, PA 15301	June 22, 2007	Full Service Brick and Mortar
104	518489	Peters Township	3515 Washington Road, Canonsburg, PA 15317	July 06, 2006	Full Service Brick and Mortar

First Federal Savings Bank in Monessen, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings Bank in Monessen, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings Bank in Monessen, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches