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


Coatesville Savings Bank - Overview

  • General
  • FDIC Certificate #: 30085
    Status: Active
    Federal Reserve ID: 660570
    Date Established: January 01, 1919
    WWW: http://www.coatesvillesavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 4716
    FDIC's unique #: 42919
    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: Febuary 09, 1940
    Last Structure Change Effective Date: December 20, 2010
    Last Structure Change Process Date: December 20, 2010
    Last Data Update: December 20, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 185 East Lincoln Highway, Coatesville, PA 19320
    County: Chester
    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)
  • Financial Summary
  • Total assets: $200.2 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $158.0 mil
    Return on assets (ROA): 0.02% ($0.0 mil)
    Quarterly return on assets: 0.13% ($0.3 mil)
    Return on Equity (ROE): 0.29% ($0.0 mil)
    Quarterly return on equity: 1.74% ($0.3 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.01% ($20.0 mil)
    Quarterly Pretax return on assets: 0.09% ($180.2 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
  • 28Total employees (full-time equivalent)
  • $200,227Total assets
  • $4,981Cash and due from depository institutions
  • $4,522Interest-bearing balances
  • $25,344Securities
  • $3,712Federal funds sold & reverse repurchase agreements
  • $156,313Net loans & leases
  • $1,506Loan loss allowance
  • $0Trading account assets
  • $1,952Bank premises and fixed assets
  • $180Other real estate owned
  • $0Goodwill and other intangibles
  • $200,227Life insurance assets
  • $7,745All other assets
  • $185,504Total liabilities and capital
  • $157,952Total liabilities
  • $151,323Total deposits
  • $157,952Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $27,000Trading liabilities
  • $0Other borrowed funds
  • $552Subordinated debt
  • $14,723All other liabilities
  • $14,723Total equity capital
  • $14,723Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $14,723Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,094Income earned, not collected on loans
  • $0Earning assets
  • $630Long-term assets (5+ years)
  • $189,891Average Assets, year-to-date
  • $130,153Average Assets, quarterly
  • $202,986Volatile liabilities
  • $199,506Insider loans
  • $135,813FHLB advances
  • $198,073Loans and leases held for sale
  • $3,672Unused loan commitments
  • $1,299Tier 1 (core) risk-based capital
  • $13,497Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,373Total unused commitments
  • $11,576Restructured Loans and leases
  • $867Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,177Total interest income
  • $5,373Total interest expense
  • $3,804Net interest income
  • $65Provision for loan and lease losses
  • $410Total noninterest income
  • $0Fiduciary activities
  • $144Service charges on deposit accounts
  • $0Trading account gains & fees
  • $266Additional noninterest income
  • $4,203Total noninterest expense
  • $1,671Salaries and employee benefits
  • $558Premises and equipment expense
  • $1,974Additional noninterest expense
  • -$54Pre-tax net operating income
  • $81Securities gains (losses)
  • -$15Applicable income taxes
  • $42Income before extraordinary items
  • $0Extraordinary gains - net
  • $42Net income attributable to bank
  • $0Net charge-offs
  • $42Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 2.80%Cost of funding earning assets
  • 1.98%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.19%Noninterest expense to earning assets
  • -0.02%Net operating income to assets
  • 0.02%Return on assets (ROA)
  • 0.01%Pretax return on assets
  • 0.29%Return on equity (ROE)
  • 0.29%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 361.11%Credit loss provision to net charge-offs
  • 0.61%Efficiency ratio
  • 99,739Assets per employee
  • 7.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 36.79%Noncurrent assets plus other real estate owned to assets
  • 2.13%Noncurrent loans to loans
  • 2.59%Net loans and leases to deposits
  • 98.96%Net loans and leases to core deposits
  • 109.72%Equity capital to assets
  • 7.35%Core capital (leverage) ratio
  • 6.81%Tier 1 risk-based capital ratio
  • 9.94%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $202,986Average earning assets
  • $14,603Average equity
  • $192,147Average loans

List of branches

  • 4 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042919Coatesville Savings Bank185 East Lincoln Highway, Coatesville, PA 19320January 01, 1919Full Service Brick and Mortar
    100278629New Holland Branch695 West Main Street, New Holland, PA 17557January 01, 1919Full Service Brick and Mortar
    101278630Oxford Branch126 South Third Street, Oxford, PA 19363January 09, 1996Full Service Brick and Mortar
    102439720Georgetown Road Branch1099 Georgetown Road, Christiana, PA 17509December 06, 2004Full Service Brick and Mortar

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