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


  • Indiana First Savings Bank in Indiana, Pennsylvania (PA)
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Indiana First Savings Bank routing number info

Indiana First Savings Bank - Overview

  • General
  • FDIC Certificate #: 27763
    Status: Active
    Federal Reserve ID: 904171
    Date Established: January 01, 1922
    WWW: http://www.infirstbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 239
    FDIC's unique #: 40597
    Numeric code: 42
    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: May 31, 1943
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 935 Philadelphia Street, Indiana, PA 15701
    County: Indiana
    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
    Core Based Statistical Area (CBSA): Indiana, PA (#26860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $269.2 mil
    Equity capital: $26.8 mil
    Deposits held in domestic offices: $229.1 mil
    Return on assets (ROA): 0.67% ($1.8 mil)
    Quarterly return on assets: 0.65% ($1.7 mil)
    Return on Equity (ROE): 6.82% ($1.8 mil)
    Quarterly return on equity: 6.58% ($1.8 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.03% ($2,772.6 mil)
    Quarterly Pretax return on assets: 1.02% ($2,745.7 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
  • 74Total employees (full-time equivalent)
  • $269,189Total assets
  • $15,749Cash and due from depository institutions
  • $13,336Interest-bearing balances
  • $26,153Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $213,532Net loans & leases
  • $2,092Loan loss allowance
  • $0Trading account assets
  • $3,966Bank premises and fixed assets
  • $83Other real estate owned
  • $105Goodwill and other intangibles
  • $269,189Life insurance assets
  • $9,601All other assets
  • $242,341Total liabilities and capital
  • $229,052Total liabilities
  • $202,896Total deposits
  • $229,052Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,351Trading liabilities
  • $0Other borrowed funds
  • $938Subordinated debt
  • $26,848All other liabilities
  • $26,848Total equity capital
  • $26,848Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $26,848Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $803Income earned, not collected on loans
  • $0Earning assets
  • $807Long-term assets (5+ years)
  • $253,021Average Assets, year-to-date
  • $167,491Average Assets, quarterly
  • $263,396Volatile liabilities
  • $269,609Insider loans
  • $172,404FHLB advances
  • $269,788Loans and leases held for sale
  • $6,360Unused loan commitments
  • $6,360Tier 1 (core) risk-based capital
  • $26,297Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,483Restructured Loans and leases
  • $1,732Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,290Total interest income
  • $3,505Total interest expense
  • $8,785Net interest income
  • $270Provision for loan and lease losses
  • $1,333Total noninterest income
  • $0Fiduciary activities
  • $448Service charges on deposit accounts
  • $0Trading account gains & fees
  • $885Additional noninterest income
  • $7,125Total noninterest expense
  • $3,980Salaries and employee benefits
  • $841Premises and equipment expense
  • $2,304Additional noninterest expense
  • $2,723Pre-tax net operating income
  • $0Securities gains (losses)
  • $967Applicable income taxes
  • $1,756Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,756Net income attributable to bank
  • $0Net charge-offs
  • $1,756Cash dividends
  • $60Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 6.82%Return on equity (ROE)
  • 6.82%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 450.00%Credit loss provision to net charge-offs
  • 49.88%Efficiency ratio
  • 70,419Assets per employee
  • 3.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 260.52%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 93.22%Net loans and leases to core deposits
  • 98.72%Equity capital to assets
  • 9.97%Core capital (leverage) ratio
  • 9.75%Tier 1 risk-based capital ratio
  • 15.25%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $263,396Average earning assets
  • $25,759Average equity
  • $249,173Average loans

List of branches

  • 5 Pennsylvania Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    040597Indiana First Savings Bank935 Philadelphia Street, Indiana, PA 15701January 01, 1922Full Service Brick and Mortar
    100263317Townfair Center Office475 S Ben Franklin Rd, Indiana, PA 15701January 01, 1922Full Service Brick and Mortar
    101420163Punxsutawney Office Branch8 Beyer Road, Punxsutawney, PA 15767September 03, 2002Full Service Brick and Mortar
    102433568Burrell Township Branch915 Route 22 Highway W, Blairsville, PA 15717October 19, 2004Full Service Brick and Mortar
    103491630Indiana Messenger Service935 Philadelphia Street, Indiana, PA 15701January 02, 2008Limited Service Messenger

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