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

Ambler Savings Bank - Overview

  • General
  • FDIC Certificate #: 28701
    Status: Active
    Federal Reserve ID: 206174
    Date Established: January 01, 1899
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 2179
    FDIC's unique #: 41535
    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: September 17, 1936
    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: 155 E Butler Ave, Ambler, PA 19002
    County: Montgomery
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $295.9 mil
    Equity capital: $26.0 mil
    Deposits held in domestic offices: $266.3 mil
    Return on assets (ROA): 0.81% ($2.4 mil)
    Quarterly return on assets: 0.71% ($2.1 mil)
    Return on Equity (ROE): 8.95% ($2.3 mil)
    Quarterly return on equity: 7.81% ($2.0 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.21% ($3,580.3 mil)
    Quarterly Pretax return on assets: 1.06% ($3,136.5 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
  • 49Total employees (full-time equivalent)
  • $295,894Total assets
  • $27,454Cash and due from depository institutions
  • $26,516Interest-bearing balances
  • $74,817Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $182,474Net loans & leases
  • $1,759Loan loss allowance
  • $0Trading account assets
  • $4,562Bank premises and fixed assets
  • $577Other real estate owned
  • $0Goodwill and other intangibles
  • $295,894Life insurance assets
  • $6,010All other assets
  • $269,853Total liabilities and capital
  • $266,262Total liabilities
  • $256,089Total deposits
  • $266,262Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,310Trading liabilities
  • $0Other borrowed funds
  • $1,281Subordinated debt
  • $26,041All other liabilities
  • $26,041Total equity capital
  • $26,041Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $26,041Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $647Income earned, not collected on loans
  • $0Earning assets
  • $1,302Long-term assets (5+ years)
  • $283,807Average Assets, year-to-date
  • $209,150Average Assets, quarterly
  • $277,043Volatile liabilities
  • $285,388Insider loans
  • $156,721FHLB advances
  • $283,497Loans and leases held for sale
  • $2,521Unused loan commitments
  • $2,521Tier 1 (core) risk-based capital
  • $26,421Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,448Restructured Loans and leases
  • $2,618Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,606Total interest income
  • $3,973Total interest expense
  • $8,633Net interest income
  • $623Provision for loan and lease losses
  • $184Total noninterest income
  • $0Fiduciary activities
  • $59Service charges on deposit accounts
  • $0Trading account gains & fees
  • $125Additional noninterest income
  • $5,059Total noninterest expense
  • $2,737Salaries and employee benefits
  • $798Premises and equipment expense
  • $1,524Additional noninterest expense
  • $3,135Pre-tax net operating income
  • $225Securities gains (losses)
  • $1,109Applicable income taxes
  • $2,251Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,251Net income attributable to bank
  • $0Net charge-offs
  • $2,251Cash dividends
  • $268Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 1.50%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 1.91%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 8.95%Return on equity (ROE)
  • 8.95%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 232.46%Credit loss provision to net charge-offs
  • 14.02%Efficiency ratio
  • 57,378Assets per employee
  • 6.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 271.87%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 68.53%Net loans and leases to core deposits
  • 72.11%Equity capital to assets
  • 8.80%Core capital (leverage) ratio
  • 9.32%Tier 1 risk-based capital ratio
  • 16.86%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $277,043Average earning assets
  • $25,138Average equity
  • $265,394Average loans

List of branches

  • 5 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041535Ambler Savings Bank155 E Butler Ave, Ambler, PA 19002January 01, 1899Full Service Brick and Mortar
    1270157Main & Centennial St BranchMain And Centennial Streets, Schwenksville, PA 19473January 01, 1899Full Service Brick and Mortar
    2444610Fort Washington Estates Branch1264 Fort Washington Avenue, Fort Washington, PA 19034October 15, 2004Limited Service Retail
    3444915Limerick Branch438 West Ridge Pike, Limerick, PA 19468September 19, 2005Full Service Brick and Mortar
    4521459Fairview Village Office3009 Germantown Pike, Fairview Village, PA 19409July 07, 2011Full Service Brick and Mortar

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