Farmers Building and Savings Bank in Rochester, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Farmers Building and Savings Bank - Overview

  • General
  • FDIC Certificate #: 34711
    Status: Active
    Federal Reserve ID: 19972
    Date Established: June 30, 1894
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 9008
    FDIC's unique #: 61315
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: December 09, 1997
    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: 290 West Park, Rochester, PA 15074
    County: Beaver
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $88.4 mil
    Equity capital: $13.3 mil
    Deposits held in domestic offices: $74.3 mil
    Return on assets (ROA): 0.96% ($0.8 mil)
    Quarterly return on assets: 1.46% ($1.3 mil)
    Return on Equity (ROE): 6.15% ($0.8 mil)
    Quarterly return on equity: 9.51% ($1.2 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.04% ($919.8 mil)
    Quarterly Pretax return on assets: 1.00% ($884.4 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
  • 6Total employees (full-time equivalent)
  • $88,439Total assets
  • $29,582Cash and due from depository institutions
  • $15,139Interest-bearing balances
  • $19,987Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $35,206Net loans & leases
  • $300Loan loss allowance
  • $0Trading account assets
  • $353Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $88,439Life insurance assets
  • $3,311All other assets
  • $75,111Total liabilities and capital
  • $74,328Total liabilities
  • $74,268Total deposits
  • $74,328Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $783Subordinated debt
  • $13,328All other liabilities
  • $13,328Total equity capital
  • $13,328Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $12,536Surplus
  • $792Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,276Income earned, not collected on loans
  • $0Earning assets
  • $204Long-term assets (5+ years)
  • $70,332Average Assets, year-to-date
  • $51,889Average Assets, quarterly
  • $82,641Volatile liabilities
  • $86,030Insider loans
  • $33,094FHLB advances
  • $86,735Loans and leases held for sale
  • $2,522Unused loan commitments
  • $2,522Tier 1 (core) risk-based capital
  • $13,328Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $777Restructured Loans and leases
  • $668Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,677Total interest income
  • $688Total interest expense
  • $1,989Net interest income
  • $64Provision for loan and lease losses
  • $114Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $114Additional noninterest income
  • $1,203Total noninterest expense
  • $726Salaries and employee benefits
  • $131Premises and equipment expense
  • $346Additional noninterest expense
  • $836Pre-tax net operating income
  • $26Securities gains (losses)
  • $69Applicable income taxes
  • $793Income before extraordinary items
  • $0Extraordinary gains - net
  • $793Net income attributable to bank
  • $0Net charge-offs
  • $793Cash dividends
  • $14Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.86%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 2.87%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 1.74%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 6.15%Return on equity (ROE)
  • 6.15%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 457.14%Credit loss provision to net charge-offs
  • 64.29%Efficiency ratio
  • 57,204Assets per employee
  • 14.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.84%Loss allowance to noncurrent loans
  • 13.18%Noncurrent assets plus other real estate owned to assets
  • 2.57%Noncurrent loans to loans
  • 6.41%Net loans and leases to deposits
  • 47.37%Net loans and leases to core deposits
  • 47.37%Equity capital to assets
  • 15.07%Core capital (leverage) ratio
  • 15.37%Tier 1 risk-based capital ratio
  • 40.27%Total risk-based capital ratio
  • Memoranda
  • $41Average assets
  • $82,641Average earning assets
  • $12,892Average equity
  • $69,282Average loans

List of branches

  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061315Farmers Building And Savings Bank290 West Park, Rochester, PA 15074June 30, 1894Full Service Brick and Mortar

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