Armstrong County Building and Loan Association in Ford City, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Armstrong County Building and Loan Association in Ford City, Pennsylvania (PA)
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Armstrong County Building and Loan Association - Overview

  • General
  • FDIC Certificate #: 29471
    Status: Active
    Federal Reserve ID: 269571
    Date Established: January 01, 1925
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 3506
    FDIC's unique #: 42305
    Numeric code: 36
    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: January 04, 1937
    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: 935 Fifth Avenue, Ford City, PA 16226
    County: Armstrong
    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
    Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430)
    Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300)
    CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $85.6 mil
    Equity capital: $11.8 mil
    Deposits held in domestic offices: $73.7 mil
    Return on assets (ROA): 0.33% ($0.3 mil)
    Quarterly return on assets: 0.50% ($0.4 mil)
    Return on Equity (ROE): 2.39% ($0.3 mil)
    Quarterly return on equity: 3.64% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.36% ($308.0 mil)
    Quarterly Pretax return on assets: 0.52% ($445.0 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
  • 6Total employees (full-time equivalent)
  • $85,568Total assets
  • $2,027Cash and due from depository institutions
  • $915Interest-bearing balances
  • $35,398Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $45,940Net loans & leases
  • $222Loan loss allowance
  • $0Trading account assets
  • $140Bank premises and fixed assets
  • $16Other real estate owned
  • $0Goodwill and other intangibles
  • $85,568Life insurance assets
  • $2,047All other assets
  • $73,791Total liabilities and capital
  • $73,714Total liabilities
  • $73,714Total deposits
  • $73,714Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $77Subordinated debt
  • $11,777All other liabilities
  • $11,777Total equity capital
  • $11,777Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $11,777Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $728Income earned, not collected on loans
  • $0Earning assets
  • $317Long-term assets (5+ years)
  • $82,253Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $84,299Volatile liabilities
  • $85,557Insider loans
  • $36,716FHLB advances
  • $85,385Loans and leases held for sale
  • $1,101Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,594Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,399Restructured Loans and leases
  • $373Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,537Total interest income
  • $2,167Total interest expense
  • $1,370Net interest income
  • $127Provision for loan and lease losses
  • $53Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $53Additional noninterest income
  • $990Total noninterest expense
  • $593Salaries and employee benefits
  • $64Premises and equipment expense
  • $333Additional noninterest expense
  • $306Pre-tax net operating income
  • $0Securities gains (losses)
  • $28Applicable income taxes
  • $278Income before extraordinary items
  • $0Extraordinary gains - net
  • $278Net income attributable to bank
  • $0Net charge-offs
  • $278Cash dividends
  • $77Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.35%Yield on earning assets
  • 2.66%Cost of funding earning assets
  • 1.68%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 1.22%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.33%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 2.39%Return on equity (ROE)
  • 2.39%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 164.94%Credit loss provision to net charge-offs
  • 5.62%Efficiency ratio
  • 69,571Assets per employee
  • 14.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.48%Loss allowance to noncurrent loans
  • 30.49%Noncurrent assets plus other real estate owned to assets
  • 0.87%Noncurrent loans to loans
  • 1.58%Net loans and leases to deposits
  • 62.32%Net loans and leases to core deposits
  • 65.58%Equity capital to assets
  • 13.76%Core capital (leverage) ratio
  • 13.58%Tier 1 risk-based capital ratio
  • 31.58%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $84,299Average earning assets
  • $11,616Average equity
  • $81,329Average loans

List of branches

  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042305Armstrong County Building And Loan A935 Fifth Avenue, Ford City, PA 16226January 01, 1925Full Service Brick and Mortar

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