FDIC Certificate #: 30431 Status: Active Federal Reserve ID: 277277 Date Established: January 01, 1922 WWW:http://www.slovaksb.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 5325 FDIC's unique #: 43265 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: July 17, 1951 Last Structure Change Effective Date: October 22, 2009 Last Structure Change Process Date: October 22, 2009 Last Data Update: October 22, 2009 Data Source Date: April 05, 2012
Location
Address: 2470 California Avenue, 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: $90.4 mil Equity capital: $8.7 mil Deposits held in domestic offices: $80.7 mil Return on assets (ROA): 0.46% ($0.4 mil) Quarterly return on assets: 0.37% ($0.3 mil) Return on Equity (ROE): 4.73% ($0.4 mil) Quarterly return on equity: 3.82% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.74% ($668.9 mil) Quarterly Pretax return on assets: 0.59% ($533.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$90,393Total assets
$11,022Cash and due from depository institutions
$9,467Interest-bearing balances
$4,954Securities
$0Federal funds sold & reverse repurchase agreements
$72,246Net loans & leases
$557Loan loss allowance
$0Trading account assets
$417Bank premises and fixed assets
$124Other real estate owned
$0Goodwill and other intangibles
$90,393Life insurance assets
$1,630All other assets
$81,716Total liabilities and capital
$80,698Total liabilities
$79,528Total deposits
$80,698Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$600Trading liabilities
$0Other borrowed funds
$418Subordinated debt
$8,677All other liabilities
$8,677Total equity capital
$8,677Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$8,677Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,621Income earned, not collected on loans
$0Earning assets
$285Long-term assets (5+ years)
$86,667Average Assets, year-to-date
$68,372Average Assets, quarterly
$87,336Volatile liabilities
$90,623Insider loans
$58,230FHLB advances
$90,838Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,571Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,092Restructured Loans and leases
$789Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,131Total interest income
$1,650Total interest expense
$2,481Net interest income
$149Provision for loan and lease losses
$5Total noninterest income
$0Fiduciary activities
$3Service charges on deposit accounts
$0Trading account gains & fees
$2Additional noninterest income
$1,694Total noninterest expense
$678Salaries and employee benefits
$172Premises and equipment expense
$844Additional noninterest expense
$643Pre-tax net operating income
$0Securities gains (losses)
$240Applicable income taxes
$403Income before extraordinary items
$0Extraordinary gains - net
$403Net income attributable to bank
$0Net charge-offs
$403Cash dividends
$30Sale, 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
1.97%Cost of funding earning assets
2.96%Net interest margin
0.01%Noninterest income to earning assets
2.02%Noninterest expense to earning assets
0.46%Net operating income to assets
0.46%Return on assets (ROA)
0.74%Pretax return on assets
4.73%Return on equity (ROE)
4.73%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
496.67%Credit loss provision to net charge-offs
26.40%Efficiency ratio
68,142Assets per employee
11.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.77%Loss allowance to noncurrent loans
15.38%Noncurrent assets plus other real estate owned to assets
4.14%Noncurrent loans to loans
4.97%Net loans and leases to deposits
89.53%Net loans and leases to core deposits
92.45%Equity capital to assets
9.60%Core capital (leverage) ratio
9.44%Tier 1 risk-based capital ratio
14.72%Total risk-based capital ratio
Memoranda
$16Average assets
$87,336Average earning assets
$8,529Average equity
$83,815Average loans
List of branches
1 Pennsylvania Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43265
Slovak Savings Bank
2470 California Avenue, Pittsburgh, PA 15212
January 01, 1922
Full Service Brick and Mortar
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