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

First Financial Bank in Downingtown, Pennsylvania (PA)
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First Financial Bank - Overview

General
FDIC Certificate #: 30929
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Willow Financial Bank (#30089)
Federal Reserve ID: 770572
Date Established: January 01, 1922
WWW: http://www.ffbonline.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 13 (Interstate: No)
OTS Docket #: 6131
FDIC's unique #: 43763
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
SAIF Insured: Yes
Oakar Institutions: Yes
State Chartered: Yes
Date of Deposit Insurance: January 31, 1958
Last Structure Change Effective Date: August 31, 2005
Last Structure Change Process Date: September 19, 2005
Last Data Update: September 19, 2005
Data Source Date: April 05, 2012
Location
Address: 100 East Lancaster Ave, Downingtown, PA 19335
County: Chester
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Philadelphia
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
Core Based Statistical Division: Philadelphia, PA (#37964)
Financial Summary
Total assets: $666.9 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, 2004)

Dollar figures in thousands
177Total employees (full-time equivalent)
$667,638Total assets
$17,532Cash and due from depository institutions
$6,157Interest-bearing balances
$184,473Securities
$0Federal funds sold & reverse repurchase agreements
$424,193Net loans & leases
$6,705Loan loss allowance
$0Trading account assets
$14,097Bank premises and fixed assets
$1,779Other real estate owned
$3,247Goodwill and other intangibles
$0Life insurance assets
$22,317All other assets
$667,638Total liabilities and capital
$605,055Total liabilities
$436,054Total deposits
$412,819Interest-bearing deposits
$436,054Deposits held in domestic offices
0.00%% insured (estimated)
$15,940Federal funds purchased & repurchase agreements
$0Trading liabilities
$150,318Other borrowed funds
$0Subordinated debt
$2,743All other liabilities
$62,583Total equity capital
$62,583Total bank equity capital
$62,583Perpetual preferred stock
$0Common stock
$1Surplus
$19,130Undivided profits
Memoranda
$43,452Noncurrent loans and leases
$141,089Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$3,623Earning assets
$0Long-term assets (5+ years)
$2,899Average Assets, year-to-date
$614,823Average Assets, quarterly
$196,821Volatile liabilities
$636,406Insider loans
$654,949FHLB advances
$59,203Loans and leases held for sale
$255Unused loan commitments
$150,318Tier 1 (core) risk-based capital
$73,279Tier 2 risk-based capital
$515Total risk weighted assets
$141,089Total unused commitments
$0Restructured Loans and leases
$6,283Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$31,053Total interest income
$10,507Total interest expense
$20,546Net interest income
$655Provision for loan and lease losses
$4,321Total noninterest income
$377Fiduciary activities
$2,164Service charges on deposit accounts
$0Trading account gains & fees
$1,780Additional noninterest income
$16,335Total noninterest expense
$8,981Salaries and employee benefits
$2,603Premises and equipment expense
$4,751Additional noninterest expense
$7,877Pre-tax net operating income
$368Securities gains (losses)
$1,952Applicable income taxes
$6,293Income before extraordinary items
$0Extraordinary gains - net
$6,293Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$116Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.28%Yield on earning assets
1.79%Cost of funding earning assets
3.49%Net interest margin
0.73%Noninterest income to earning assets
2.78%Noninterest expense to earning assets
0.94%Net operating income to assets
0.99%Return on assets (ROA)
1.30%Pretax return on assets
10.46%Return on equity (ROE)
10.46%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
564.66%Credit loss provision to net charge-offs
73.55%Efficiency ratio
65,492Assets per employee
3.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.56%Loss allowance to noncurrent loans
185.07%Noncurrent assets plus other real estate owned to assets
0.55%Noncurrent loans to loans
0.84%Net loans and leases to deposits
97.28%Net loans and leases to core deposits
102.87%Equity capital to assets
9.37%Core capital (leverage) ratio
9.56%Tier 1 risk-based capital ratio
12.20%Total risk-based capital ratio
Memoranda
$13Average assets
$636,406Average earning assets
$60,140Average equity
$588,105Average loans

Total Fiduciary and Related Assets (December 31, 2004)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$40,225Managed Assets
1Number of Accounts
$37,953Personal trust and agency accounts
$19,742Employee benefit-defined contribution accounts
$1Employee benefit-defined benefit accounts
$0Other retirement accounts
$2,613Corporate trust and agency accounts
$0Investment management agency accounts
$15,597Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
218Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$2,272Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

First Financial Bank in Downingtown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Financial Bank - Overview

Assets and Liabilities (December 31, 2004)

Income and Expense (December 31, 2004)

Performance and Condition Ratios (December 31, 2004)

Total Fiduciary and Related Assets (December 31, 2004)

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

First Financial Bank in Downingtown, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Financial Bank - Overview

Assets and Liabilities (December 31, 2004)

Income and Expense (December 31, 2004)

Performance and Condition Ratios (December 31, 2004)

Total Fiduciary and Related Assets (December 31, 2004)

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

First Financial Bank in Downingtown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches