FDIC Certificate #: 16171 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:S&T Bank (#11124) Federal Reserve ID: 93413 Bank Holding Company (Regulatory Top Holder): Mainline Bancorp, Inc. (RSSDID: 2067959, Location: Ebensburg, PA) Date Established: July 20, 1944 WWW:http://www.mainlinebank.net Trust Powers Granted: Yes Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 8 (Domestic: 8, Interstate: No) OTS Docket #: 13202 FDIC's unique #: 10379 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: 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: All Other Specialization < 1 Billion Date of Deposit Insurance: July 20, 1944 Last Structure Change Effective Date: March 10, 2012 Last Structure Change Process Date: March 14, 2012 Last Data Update: March 14, 2012 Data Source Date: April 05, 2012
Location
Address: 737 Main Street, Portage, PA 15946 County: Cambria 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): Johnstown, PA (#3680) Core Based Statistical Area (CBSA): Johnstown, PA (#27780) CBSA Metro Statistical Area: Johnstown, PA (#27780)
Financial Summary
Total assets: $235.4 mil Equity capital: $21.2 mil Deposits held in domestic offices: $206.7 mil Return on assets (ROA): 0.17% ($0.4 mil) Quarterly return on assets: 0.28% ($0.7 mil) Return on Equity (ROE): 1.99% ($0.4 mil) Quarterly return on equity: 3.15% ($0.7 mil) Net income: $0.4 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.13% ($306.0 mil) Quarterly Pretax return on assets: 0.23% ($541.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
72Total employees (full-time equivalent)
$235,395Total assets
$9,795Cash and due from depository institutions
$7,082Interest-bearing balances
$79,392Securities
$0Federal funds sold & reverse repurchase agreements
$131,719Net loans & leases
$2,011Loan loss allowance
$0Trading account assets
$1,934Bank premises and fixed assets
$197Other real estate owned
$90Goodwill and other intangibles
$235,395Life insurance assets
$12,268All other assets
$214,227Total liabilities and capital
$206,738Total liabilities
$172,808Total deposits
$206,738Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,000Trading liabilities
$0Other borrowed funds
$1,489Subordinated debt
$21,168All other liabilities
$21,168Total equity capital
$21,168Total bank equity capital
$0Perpetual preferred stock
$1,952Common stock
$5,850Surplus
$13,366Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,077Income earned, not collected on loans
$0Earning assets
$919Long-term assets (5+ years)
$218,193Average Assets, year-to-date
$106,649Average Assets, quarterly
$241,163Volatile liabilities
$236,415Insider loans
$174,454FHLB advances
$238,492Loans and leases held for sale
$3,003Unused loan commitments
$3,003Tier 1 (core) risk-based capital
$21,838Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$29,193Restructured Loans and leases
$1,133Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$9,980Total interest income
$2,798Total interest expense
$7,182Net interest income
$459Provision for loan and lease losses
$1,385Total noninterest income
$241Fiduciary activities
$393Service charges on deposit accounts
$0Trading account gains & fees
$751Additional noninterest income
$7,294Total noninterest expense
$3,651Salaries and employee benefits
$938Premises and equipment expense
$2,705Additional noninterest expense
$814Pre-tax net operating income
-$503Securities gains (losses)
-$93Applicable income taxes
$404Income before extraordinary items
$0Extraordinary gains - net
$404Net income attributable to bank
$0Net charge-offs
$404Cash dividends
$421Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.45%Yield on earning assets
1.25%Cost of funding earning assets
3.20%Net interest margin
0.62%Noninterest income to earning assets
3.25%Noninterest expense to earning assets
0.38%Net operating income to assets
0.17%Return on assets (ROA)
0.13%Pretax return on assets
1.99%Return on equity (ROE)
1.99%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
109.03%Credit loss provision to net charge-offs
3.02%Efficiency ratio
84,720Assets per employee
3.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.50%Loss allowance to noncurrent loans
96.82%Noncurrent assets plus other real estate owned to assets
0.97%Noncurrent loans to loans
1.55%Net loans and leases to deposits
63.71%Net loans and leases to core deposits
66.82%Equity capital to assets
8.99%Core capital (leverage) ratio
9.16%Tier 1 risk-based capital ratio
12.52%Total risk-based capital ratio
Memoranda
$14Average assets
$241,163Average earning assets
$20,281Average equity
$224,330Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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