FDIC Certificate #: 14558 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank of Pennsylvania (#7888) Federal Reserve ID: 171227 Date Established: July 09, 1934 WWW:http://www.northsidebank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 11 (Interstate: No) OTS Docket #: 9409 FDIC's unique #: 9096 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes Oakar Institutions: Yes State Chartered: Yes Date of Deposit Insurance: July 09, 1934 Last Structure Change Effective Date: Febuary 18, 2005 Last Structure Change Process Date: March 29, 2005 Last Data Update: March 29, 2005 Data Source Date: April 05, 2012
Location
Address: 100 Federal Street, Pittsburgh, PA 15212 County: Allegheny 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)
Financial Summary
Total assets: $504.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
135Total employees (full-time equivalent)
$504,633Total assets
$13,597Cash and due from depository institutions
$130Interest-bearing balances
$152,488Securities
$0Federal funds sold & reverse repurchase agreements
$310,948Net loans & leases
$5,920Loan loss allowance
$0Trading account assets
$4,092Bank premises and fixed assets
$467Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$23,041All other assets
$504,633Total liabilities and capital
$465,751Total liabilities
$383,832Total deposits
$301,839Interest-bearing deposits
$383,832Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$75,000Other borrowed funds
$0Subordinated debt
$6,919All other liabilities
$38,882Total equity capital
$38,882Total bank equity capital
$38,882Perpetual preferred stock
$0Common stock
$1,500Surplus
$3,502Undivided profits
Memoranda
$33,880Noncurrent loans and leases
$49,314Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$8,017Earning assets
$0Long-term assets (5+ years)
$2,534Average Assets, year-to-date
$463,566Average Assets, quarterly
$232,568Volatile liabilities
$515,000Insider loans
$510,516FHLB advances
$38,943Loans and leases held for sale
$4,634Unused loan commitments
$75,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$49,314Total unused commitments
$636Restructured Loans and leases
$4,606Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$25,683Total interest income
$10,176Total interest expense
$15,507Net interest income
$436Provision for loan and lease losses
$3,327Total noninterest income
$0Fiduciary activities
$1,843Service charges on deposit accounts
$0Trading account gains & fees
$1,484Additional noninterest income
$14,572Total noninterest expense
$6,424Salaries and employee benefits
$2,018Premises and equipment expense
$6,130Additional noninterest expense
$3,826Pre-tax net operating income
$660Securities gains (losses)
$1,126Applicable income taxes
$3,360Income before extraordinary items
$0Extraordinary gains - net
$3,360Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,398Sale, conversion, retirement of capital stock, net
$1,451Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.39%Yield on earning assets
2.14%Cost of funding earning assets
3.26%Net interest margin
0.70%Noninterest income to earning assets
3.06%Noninterest expense to earning assets
0.56%Net operating income to assets
0.65%Return on assets (ROA)
0.87%Pretax return on assets
8.76%Return on equity (ROE)
4.98%Retained earnings to average equity (YTD only)
0.44%Net charge-offs to loans
31.19%Credit loss provision to net charge-offs
3.05%Efficiency ratio
77,371Assets per employee
3.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
43.18%Loss allowance to loans
1.87%Loss allowance to noncurrent loans
73.84%Noncurrent assets plus other real estate owned to assets
1.68%Noncurrent loans to loans
2.53%Net loans and leases to deposits
81.01%Net loans and leases to core deposits
90.16%Equity capital to assets
7.71%Core capital (leverage) ratio
7.61%Tier 1 risk-based capital ratio
10.53%Total risk-based capital ratio
Memoranda
$12Average assets
$515,000Average earning assets
$38,348Average equity
$476,090Average loans
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