Charleroi Federal Savings Bank in city_name, state_name - Detailed Financial Reports, Location

Charleroi Federal Savings Bank in Charleroi, Pennsylvania (PA)
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Charleroi Federal Savings Bank - Overview

General
FDIC Certificate #: 29672
Status: Active
Federal Reserve ID: 100777
Date Established: January 01, 1935
WWW: http://www.charleroifederal.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 9 (Domestic: 9, Interstate: No)
OTS Docket #: 3866
FDIC's unique #: 42506
Numeric code: 33
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: April 22, 1936
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: 101 Mckean Avenue, Charleroi, PA 15022
County: Washington
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)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $568.7 mil
Equity capital: $67.4 mil
Deposits held in domestic offices: $499.0 mil
Return on assets (ROA): 0.24% ($1.4 mil)
Quarterly return on assets: 0.22% ($1.3 mil)
Return on Equity (ROE): 2.08% ($1.4 mil)
Quarterly return on equity: 1.85% ($1.2 mil)
Net income: $1.4 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.29% ($1,649.1 mil)
Quarterly Pretax return on assets: 0.13% ($739.3 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
79Total employees (full-time equivalent)
$568,658Total assets
$77,490Cash and due from depository institutions
$74,071Interest-bearing balances
$212,532Securities
$0Federal funds sold & reverse repurchase agreements
$243,357Net loans & leases
$1,222Loan loss allowance
$0Trading account assets
$13,085Bank premises and fixed assets
$861Other real estate owned
$0Goodwill and other intangibles
$568,658Life insurance assets
$21,333All other assets
$501,278Total liabilities and capital
$498,959Total liabilities
$476,346Total deposits
$498,959Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,319Subordinated debt
$67,380All other liabilities
$67,380Total equity capital
$67,380Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$0Surplus
$67,379Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,030Income earned, not collected on loans
$0Earning assets
$2,545Long-term assets (5+ years)
$529,960Average Assets, year-to-date
$0Average Assets, quarterly
$568,059Volatile liabilities
$569,784Insider loans
$241,139FHLB advances
$568,224Loans and leases held for sale
$12,662Unused loan commitments
$0Tier 1 (core) risk-based capital
$67,093Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$23,366Restructured Loans and leases
$1,268Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$19,948Total interest income
$9,861Total interest expense
$10,087Net interest income
$30Provision for loan and lease losses
$1,518Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$1,518Additional noninterest income
$9,918Total noninterest expense
$5,767Salaries and employee benefits
$1,761Premises and equipment expense
$2,390Additional noninterest expense
$1,657Pre-tax net operating income
$0Securities gains (losses)
$277Applicable income taxes
$1,380Income before extraordinary items
$0Extraordinary gains - net
$1,380Net income attributable to bank
$0Net charge-offs
$1,380Cash dividends
$46Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.77%Yield on earning assets
1.87%Cost of funding earning assets
1.91%Net interest margin
0.29%Noninterest income to earning assets
1.88%Noninterest expense to earning assets
0.24%Net operating income to assets
0.24%Return on assets (ROA)
0.29%Pretax return on assets
2.08%Return on equity (ROE)
2.08%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
65.22%Credit loss provision to net charge-offs
36.67%Efficiency ratio
85,463Assets per employee
7.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.50%Loss allowance to noncurrent loans
118.64%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.42%Net loans and leases to deposits
48.77%Net loans and leases to core deposits
55.43%Equity capital to assets
11.85%Core capital (leverage) ratio
11.81%Tier 1 risk-based capital ratio
27.82%Total risk-based capital ratio
Memoranda
$28Average assets
$568,059Average earning assets
$66,366Average equity
$528,590Average loans

List of branches

9 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	42506	Charleroi Federal Savings Bank	101 Mckean Avenue, Charleroi, PA 15022	January 01, 1935	Full Service Brick and Mortar
1	276744	205 S Arch St Branch	205 S Arch St, Connellsville, PA 15425	January 01, 1935	Full Service Brick and Mortar
100	276745	919 Main St Branch	919 Main St, Bentleyville, PA 15314	January 01, 1935	Full Service Brick and Mortar
101	276746	1652 Rostraver Road Branch	1652 Rostraver Road, Belle Vernon, PA 15012	January 01, 1935	Full Service Brick and Mortar
102	276747	1220 West Main St Branch	1220 West Main St, Monongahela, PA 15063	June 30, 1986	Full Service Brick and Mortar
103	276748	Seven Fields Branch	101 Highpointe Drive, Seven Fields, PA 16046	January 20, 1998	Full Service Brick and Mortar
104	440508	Hempfield Branch	105 Walton Tea Room Road, Greensburg, PA 15601	Febuary 14, 2000	Full Service Brick and Mortar
105	440509	Peters Township Branch	622 East Mcmurray Road, Mc Murray, PA 15317	March 11, 2002	Full Service Brick and Mortar
106	491982	Washington Branch	730 East Beau Street, Washington, PA 15301	April 28, 2008	Full Service Brick and Mortar

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

Charleroi Federal Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Charleroi Federal Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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