ESB Bank in Ellwood City, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


ESB Bank - Overview

  • General
  • FDIC Certificate #: 27708
    Status: Active
    Federal Reserve ID: 224178
    Date Established: January 01, 1915
    WWW: http://www.esbbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 24 (Domestic: 24, Interstate: No)
    OTS Docket #: 148
    FDIC's unique #: 40542
    Numeric code: 41
    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: December 19, 1935
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 Lawrence Avenue, Ellwood City, PA 16117
    County: Lawrence
    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): New Castle, PA (#35260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,923.4 mil
    Equity capital: $215.3 mil
    Deposits held in domestic offices: $1,159.8 mil
    Return on assets (ROA): 0.87% ($16.7 mil)
    Quarterly return on assets: 0.73% ($14.0 mil)
    Return on Equity (ROE): 7.82% ($16.8 mil)
    Quarterly return on equity: 6.58% ($14.1 mil)
    Net income: $16.6 mil
    Quarterly Net income: $3.6 mil
    Pretax return on assets: 1.11% ($21,349.5 mil)
    Quarterly Pretax return on assets: 0.87% ($16,733.4 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
  • 269Total employees (full-time equivalent)
  • $1,923,376Total assets
  • $33,167Cash and due from depository institutions
  • $27,458Interest-bearing balances
  • $1,099,527Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $648,921Net loans & leases
  • $6,537Loan loss allowance
  • $0Trading account assets
  • $14,800Bank premises and fixed assets
  • $3,937Other real estate owned
  • $39,162Goodwill and other intangibles
  • $1,923,376Life insurance assets
  • $83,862All other assets
  • $1,709,278Total liabilities and capital
  • $1,159,824Total liabilities
  • $1,138,055Total deposits
  • $1,159,824Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 325000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $209,116Trading liabilities
  • $0Other borrowed funds
  • $15,338Subordinated debt
  • $214,098All other liabilities
  • $215,267Total equity capital
  • $215,267Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $144,458Surplus
  • $70,808Undivided profits
  • Memoranda
  • $-1,169Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,493Income earned, not collected on loans
  • $0Earning assets
  • $9,121Long-term assets (5+ years)
  • $1,775,906Average Assets, year-to-date
  • $1,192,104Average Assets, quarterly
  • $1,912,061Volatile liabilities
  • $1,943,492Insider loans
  • $1,039,293FHLB advances
  • $1,899,749Loans and leases held for sale
  • $30,802Unused loan commitments
  • $1,805Tier 1 (core) risk-based capital
  • $150,347Tier 2 risk-based capital
  • $28,997Total risk weighted assets
  • $0Total unused commitments
  • $115,528Restructured Loans and leases
  • $2,458Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $78,610Total interest income
  • $31,883Total interest expense
  • $46,727Net interest income
  • $1,130Provision for loan and lease losses
  • $2,680Total noninterest income
  • $0Fiduciary activities
  • $1,776Service charges on deposit accounts
  • $0Trading account gains & fees
  • $904Additional noninterest income
  • $26,895Total noninterest expense
  • $15,268Salaries and employee benefits
  • $3,479Premises and equipment expense
  • $8,148Additional noninterest expense
  • $21,382Pre-tax net operating income
  • $666Securities gains (losses)
  • $4,507Applicable income taxes
  • $17,541Income before extraordinary items
  • $0Extraordinary gains - net
  • $16,630Net income attributable to bank
  • $911Net charge-offs
  • $17,541Cash dividends
  • $1,140Sale, conversion, retirement of capital stock, net
  • $15,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 1.81%Cost of funding earning assets
  • 2.66%Net interest margin
  • 0.15%Noninterest income to earning assets
  • 1.53%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 7.82%Return on equity (ROE)
  • 0.77%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 99.12%Credit loss provision to net charge-offs
  • 19.75%Efficiency ratio
  • 53,764Assets per employee
  • 7.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.20%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 48.45%Noncurrent assets plus other real estate owned to assets
  • 0.91%Noncurrent loans to loans
  • 2.06%Net loans and leases to deposits
  • 55.95%Net loans and leases to core deposits
  • 62.11%Equity capital to assets
  • 11.19%Core capital (leverage) ratio
  • 7.91%Tier 1 risk-based capital ratio
  • 14.47%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,912,061Average earning assets
  • $212,535Average equity
  • $1,758,334Average loans

List of branches

  • 24 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040542Esb Bank600 Lawrence Avenue, Ellwood City, PA 16117January 01, 1915Full Service Brick and Mortar
    1262931Shenango Township Branch2656 Ellwood Road, New Castle, PA 16101January 01, 1915Full Service Brick and Mortar
    103262935Franklin Township Branch1793 Mercer Road, Ellwood City, PA 16117June 30, 1987Full Service Brick and Mortar
    104271301Fox Chapel Branch1060 Freeport Road, Pittsburgh, PA 15238January 01, 1871Full Service Brick and Mortar
    10540775Economy Branch2301 Sheffield Road, Aliquippa, PA 15001January 01, 1904Full Service Brick and Mortar
    106264228Center Township Branch3531 Brodhead Road, Monaca, PA 15061January 01, 1904Full Service Brick and Mortar
    10741450506 Merchant Street Branch506 Merchant Street, Ambridge, PA 15003January 01, 1925Full Service Brick and Mortar
    108264229900 5th Ave Branch900 5th Ave, Coraopolis, PA 15108January 01, 1904Full Service Brick and Mortar
    109429911706 Lowrie Street Branch1706 Lowrie Street, Pittsburgh, PA 15212January 01, 1894Full Service Brick and Mortar
    110278859Wexford Branch101 Wexford-Bayne Road, Wexford, PA 15090April 01, 1995Full Service Brick and Mortar
    1113407951609 Broadway Avenue Branch1550 Beechview Ave, Pittsburgh, PA 15216May 06, 2000Full Service Brick and Mortar
    112340796Itin And Rhine BranchItin & Rhine Streets, Pittsburgh, PA 15212May 06, 2000Full Service Brick and Mortar
    11740651Workingmens Savings Bank Branch807 Middle Street, Pittsburgh, PA 15212January 01, 1881Full Service Brick and Mortar
    118263558South Hills Branch5035 Curry Road, Pittsburgh, PA 15236January 01, 1881Full Service Brick and Mortar
    12040541Peoples Home Savings Bank Branch1427 Seventh Avenue, Beaver Falls, PA 15010January 01, 1888Full Service Brick and Mortar
    121262924Chippewa Branch2521 Darlington Road, Beaver Falls, PA 15010January 01, 1888Full Service Brick and Mortar
    122262925Hopewell Branch2293 Broadhead Road, Aliquippa, PA 15001January 01, 1888Full Service Brick and Mortar
    123262926Beaver Branch701 Corporation Street, Beaver, PA 15009January 01, 1888Full Service Brick and Mortar
    12442614New Brighton Branch800 Third Avenue, New Brighton, PA 15066January 01, 1894Full Service Brick and Mortar
    125262927Northern Lights Branch1555 Beaver Road, Baden, PA 15005January 01, 1888Full Service Brick and Mortar
    128262929Darlington Branch233 Second Street, Darlington, PA 16115October 06, 1995Full Service Brick and Mortar
    130443439Neshannock Branch3360 Wilmington Road, New Castle, PA 16105August 08, 2004Full Service Brick and Mortar
    131511444Bulter Branch831 Evans City Road, Renfrew, PA 16053July 15, 2009Full Service Brick and Mortar
    132514909527 South Main Street527 South Main Street, Zelienople, PA 16063October 12, 2010Full Service Brick and Mortar

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