FDIC Certificate #: 27814 Status: Inactive Closing history: Absorption - Without Assistance Acquiring institution:Fidelity Savings Bank (#28038) Federal Reserve ID: 638476 Date Established: January 01, 1915 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 15189 FDIC's unique #: 40648 Numeric code: 43 Regulator: OTS Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes FDIC Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: April 03, 1995 Last Structure Change Effective Date: Febuary 22, 2002 Last Structure Change Process Date: April 11, 2002 Last Data Update: April 11, 2002 Data Source Date: April 05, 2012
Location
Address: 17 West Mall Plaza, Carnegie, PA 15106 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: $28.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
7Total employees (full-time equivalent)
$28,925Total assets
$1,131Cash and due from depository institutions
$874Interest-bearing balances
$4,358Securities
$0Federal funds sold & reverse repurchase agreements
$22,034Net loans & leases
$204Loan loss allowance
$100Trading account assets
$188Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,114All other assets
$28,925Total liabilities and capital
$26,012Total liabilities
$20,527Total deposits
$20,527Interest-bearing deposits
$20,527Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$5,000Other borrowed funds
$0Subordinated debt
$485All other liabilities
$2,913Total equity capital
$2,913Total bank equity capital
$2,913Perpetual preferred stock
$0Common stock
$10Surplus
$1,639Undivided profits
Memoranda
$1,264Noncurrent loans and leases
$714Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$217Earning assets
$0Long-term assets (5+ years)
$130Average Assets, year-to-date
$27,366Average Assets, quarterly
$0Volatile liabilities
$27,434Insider loans
$28,231FHLB advances
$8,094Loans and leases held for sale
$141Unused loan commitments
$5,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$714Total unused commitments
$0Restructured Loans and leases
$198Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$1,884Total interest income
$1,071Total interest expense
$813Net interest income
$7Provision for loan and lease losses
$122Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$122Additional noninterest income
$726Total noninterest expense
$413Salaries and employee benefits
$147Premises and equipment expense
$166Additional noninterest expense
$202Pre-tax net operating income
$31Securities gains (losses)
$71Applicable income taxes
$162Income before extraordinary items
$0Extraordinary gains - net
$162Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.21%Yield on earning assets
4.10%Cost of funding earning assets
3.11%Net interest margin
0.47%Noninterest income to earning assets
2.78%Noninterest expense to earning assets
0.51%Net operating income to assets
0.59%Return on assets (ROA)
0.85%Pretax return on assets
5.71%Return on equity (ROE)
5.71%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
-700.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
77,647Assets per employee
4.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.92%Loss allowance to noncurrent loans
94.01%Noncurrent assets plus other real estate owned to assets
0.75%Noncurrent loans to loans
0.98%Net loans and leases to deposits
107.34%Net loans and leases to core deposits
126.39%Equity capital to assets
10.07%Core capital (leverage) ratio
9.97%Tier 1 risk-based capital ratio
18.18%Total risk-based capital ratio
Memoranda
$19Average assets
$27,434Average earning assets
$2,838Average equity
$26,121Average loans
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