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


  • County Savings Bank in Essington, Pennsylvania (PA)
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County Savings Bank - Overview

  • General
  • FDIC Certificate #: 29231
    Status: Active
    Federal Reserve ID: 658072
    Date Established: January 01, 1920
    WWW: http://www.countysavingsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3136
    FDIC's unique #: 42065
    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: January 17, 1972
    Last Structure Change Effective Date: Febuary 23, 2012
    Last Structure Change Process Date: Febuary 23, 2012
    Last Data Update: Febuary 23, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 412 Wanamaker Ave, Essington, PA 19029
    County: Delaware
    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: $60.7 mil
    Equity capital: $4.3 mil
    Deposits held in domestic offices: $55.8 mil
    Return on assets (ROA): 0.21% ($0.1 mil)
    Quarterly return on assets: 0.30% ($0.2 mil)
    Return on Equity (ROE): 3.03% ($0.1 mil)
    Quarterly return on equity: 4.18% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.28% ($169.9 mil)
    Quarterly Pretax return on assets: 0.30% ($182.1 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
  • 19Total employees (full-time equivalent)
  • $60,686Total assets
  • $16,170Cash and due from depository institutions
  • $15,714Interest-bearing balances
  • $5,793Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $37,202Net loans & leases
  • $434Loan loss allowance
  • $0Trading account assets
  • $618Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $60,686Life insurance assets
  • $903All other assets
  • $56,362Total liabilities and capital
  • $55,810Total liabilities
  • $51,107Total deposits
  • $55,810Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $552Subordinated debt
  • $4,324All other liabilities
  • $4,324Total equity capital
  • $4,324Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $4,324Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $343Income earned, not collected on loans
  • $0Earning assets
  • $217Long-term assets (5+ years)
  • $58,709Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $60,443Volatile liabilities
  • $60,363Insider loans
  • $23,116FHLB advances
  • $60,686Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,324Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,082Restructured Loans and leases
  • $1,104Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,530Total interest income
  • $476Total interest expense
  • $2,054Net interest income
  • $92Provision for loan and lease losses
  • $251Total noninterest income
  • $0Fiduciary activities
  • $92Service charges on deposit accounts
  • $0Trading account gains & fees
  • $159Additional noninterest income
  • $2,044Total noninterest expense
  • $1,331Salaries and employee benefits
  • $305Premises and equipment expense
  • $408Additional noninterest expense
  • $169Pre-tax net operating income
  • $0Securities gains (losses)
  • $40Applicable income taxes
  • $129Income before extraordinary items
  • $0Extraordinary gains - net
  • $129Net income attributable to bank
  • $0Net charge-offs
  • $129Cash dividends
  • $101Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.34%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.51%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.28%Pretax return on assets
  • 3.03%Return on equity (ROE)
  • 3.03%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 91.09%Credit loss provision to net charge-offs
  • 2.58%Efficiency ratio
  • 88,677Assets per employee
  • 3.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 126.53%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 0.91%Net loans and leases to deposits
  • 66.66%Net loans and leases to core deposits
  • 67.33%Equity capital to assets
  • 7.13%Core capital (leverage) ratio
  • 7.13%Tier 1 risk-based capital ratio
  • 18.71%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $60,443Average earning assets
  • $4,251Average equity
  • $58,262Average loans

List of branches

  • 2 Pennsylvania Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042065County Savings Bank412 Wanamaker Ave, Essington, PA 19029January 01, 1920Full Service Brick and Mortar
    100273777Milmont Ave Branch201 Milmont Avenue, Milmont Park, PA 19033January 01, 1920Full Service Brick and Mortar

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