First Carnegie Deposit in Carnegie, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 12, 2004

  • First Carnegie Deposit in Carnegie, Pennsylvania (PA)
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First Carnegie Deposit - Overview

  • General
  • FDIC Certificate #: 27706
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Northwest Savings Bank (#28178)
    Federal Reserve ID: 869579
    Date Established: January 01, 1924
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 146
    FDIC's unique #: 40540
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: January 31, 1939
    Last Structure Change Effective Date: November 12, 2004
    Last Structure Change Process Date: January 10, 2005
    Last Data Update: January 10, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 242 East Main Street, Carnegie, PA 15106
    County: Allegheny
    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)
  • Financial Summary
  • Total assets: $95.7 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, 2003)

  • Dollar figures in thousands
  • 16Total employees (full-time equivalent)
  • $155,809Total assets
  • $1,485Cash and due from depository institutions
  • $953Interest-bearing balances
  • $110,556Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $34,187Net loans & leases
  • $405Loan loss allowance
  • $0Trading account assets
  • $496Bank premises and fixed assets
  • $39Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $9,046All other assets
  • $155,809Total liabilities and capital
  • $132,671Total liabilities
  • $81,125Total deposits
  • $79,698Interest-bearing deposits
  • $81,125Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $48,000Other borrowed funds
  • $0Subordinated debt
  • $3,546All other liabilities
  • $23,138Total equity capital
  • $23,138Total bank equity capital
  • $23,138Perpetual preferred stock
  • $0Common stock
  • $230Surplus
  • $8,894Undivided profits
  • Memoranda
  • $14,014Noncurrent loans and leases
  • $1,231Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $454Earning assets
  • $0Long-term assets (5+ years)
  • $451Average Assets, year-to-date
  • $145,696Average Assets, quarterly
  • $0Volatile liabilities
  • $156,643Insider loans
  • $155,990FHLB advances
  • $61,293Loans and leases held for sale
  • $232Unused loan commitments
  • $48,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $781Total unused commitments
  • $39Restructured Loans and leases
  • $405Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $6,868Total interest income
  • $4,896Total interest expense
  • $1,972Net interest income
  • $0Provision for loan and lease losses
  • $862Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $862Additional noninterest income
  • $2,335Total noninterest expense
  • $1,892Salaries and employee benefits
  • $181Premises and equipment expense
  • $262Additional noninterest expense
  • $499Pre-tax net operating income
  • $0Securities gains (losses)
  • -$46Applicable income taxes
  • $545Income before extraordinary items
  • $0Extraordinary gains - net
  • $545Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $1,058Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 3.34%Cost of funding earning assets
  • 1.35%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 1.59%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.32%Pretax return on assets
  • 2.35%Return on equity (ROE)
  • -2.21%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 82,392Assets per employee
  • 9.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 194.13%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 89.21%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 1.31%Net loans and leases to deposits
  • 42.14%Net loans and leases to core deposits
  • 50.40%Equity capital to assets
  • 14.85%Core capital (leverage) ratio
  • 14.85%Tier 1 risk-based capital ratio
  • 63.16%Total risk-based capital ratio
  • Memoranda
  • $64Average assets
  • $156,643Average earning assets
  • $23,234Average equity
  • $146,506Average loans

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