Slovenian Savings and Loan Association of Franklin-Conemaugh in Conemaugh, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Slovenian Savings and Loan Association of Franklin-Conemaugh in Conemaugh, Pennsylvania (PA)
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Slovenian Savings and Loan Association of Franklin-Conemaugh - Overview

  • General
  • FDIC Certificate #: 31994
    Status: Active
    Federal Reserve ID: 568377
    Date Established: January 01, 1915
    WWW: http://www.sloveniansavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 7703
    FDIC's unique #: 44828
    Numeric code: 38
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 11, 1979
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 361 First St, Conemaugh, PA 15909
    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)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $131.9 mil
    Equity capital: $12.3 mil
    Deposits held in domestic offices: $119.0 mil
    Return on assets (ROA): 0.44% ($0.6 mil)
    Quarterly return on assets: 0.53% ($0.7 mil)
    Return on Equity (ROE): 4.75% ($0.6 mil)
    Quarterly return on equity: 5.71% ($0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.66% ($870.5 mil)
    Quarterly Pretax return on assets: 0.65% ($857.3 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
  • 33Total employees (full-time equivalent)
  • $131,888Total assets
  • $25,190Cash and due from depository institutions
  • $23,384Interest-bearing balances
  • $30,697Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $73,174Net loans & leases
  • $399Loan loss allowance
  • $0Trading account assets
  • $1,676Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $131,888Life insurance assets
  • $1,151All other assets
  • $119,601Total liabilities and capital
  • $119,016Total liabilities
  • $117,303Total deposits
  • $119,016Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $585Subordinated debt
  • $12,287All other liabilities
  • $12,287Total equity capital
  • $12,287Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $12,287Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $650Income earned, not collected on loans
  • $0Earning assets
  • $332Long-term assets (5+ years)
  • $127,255Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $131,453Volatile liabilities
  • $132,058Insider loans
  • $51,645FHLB advances
  • $131,892Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,526Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,473Restructured Loans and leases
  • $267Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,013Total interest income
  • $1,428Total interest expense
  • $3,585Net interest income
  • $77Provision for loan and lease losses
  • $262Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $262Additional noninterest income
  • $2,897Total noninterest expense
  • $1,562Salaries and employee benefits
  • $492Premises and equipment expense
  • $843Additional noninterest expense
  • $873Pre-tax net operating income
  • $0Securities gains (losses)
  • $299Applicable income taxes
  • $574Income before extraordinary items
  • $0Extraordinary gains - net
  • $574Net income attributable to bank
  • $0Net charge-offs
  • $574Cash dividends
  • -$99Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.95%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 2.83%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.28%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 4.75%Return on equity (ROE)
  • 4.75%Retained earnings to average equity (YTD only)
  • -0.13%Net charge-offs to loans
  • -77.78%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 75,305Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.54%Loss allowance to noncurrent loans
  • 61.38%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 61.48%Net loans and leases to core deposits
  • 62.10%Equity capital to assets
  • 9.32%Core capital (leverage) ratio
  • 9.50%Tier 1 risk-based capital ratio
  • 24.25%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $131,453Average earning assets
  • $12,079Average equity
  • $126,831Average loans

List of branches

  • 5 Pennsylvania Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    044828Slovenian Savings And Loan Associati361 First St, Conemaugh, PA 15909January 01, 1915Full Service Brick and Mortar
    101286409512 Central Avenue Branch512 Central Avenue, Johnstown, PA 15902June 30, 1987Full Service Brick and Mortar
    102286410Hostetler Branch95 Hostetler Road, Johnstown, PA 15904June 30, 1996Full Service Brick and Mortar
    103286411Windber Branch1512 Jefferson Avenue, Windber, PA 15963March 17, 1997Full Service Brick and Mortar
    104463607West Hills Branch585 Goucher Street, Johnstown, PA 15905March 01, 2006Full Service Brick and Mortar

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