First Federal Savings and Loan Association of Greene Co in city_name, state_name

First Federal Savings and Loan Association of Greene Co in Waynesburg, Pennsylvania (PA)
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First Federal Savings and Loan Association of Greene Co - Overview

General
FDIC Certificate #: 28706
Status: Active
Federal Reserve ID: 624778
Date Established: January 01, 1924
WWW: http://www.firstfederalofgreene.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 2190
FDIC's unique #: 41540
Numeric code: 38
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: September 14, 1936
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: 25 East High St, Waynesburg, PA 15370
County: Greene
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
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $839.5 mil
Equity capital: $108.4 mil
Deposits held in domestic offices: $723.9 mil
Return on assets (ROA): 0.36% ($3.0 mil)
Quarterly return on assets: 0.46% ($3.9 mil)
Return on Equity (ROE): 2.77% ($3.0 mil)
Quarterly return on equity: 3.54% ($3.8 mil)
Net income: $3.0 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 0.51% ($4,281.5 mil)
Quarterly Pretax return on assets: 0.64% ($5,372.8 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
119Total employees (full-time equivalent)
$839,507Total assets
$46,637Cash and due from depository institutions
$41,520Interest-bearing balances
$199,174Securities
$0Federal funds sold & reverse repurchase agreements
$557,846Net loans & leases
$1,750Loan loss allowance
$0Trading account assets
$11,491Bank premises and fixed assets
$300Other real estate owned
$0Goodwill and other intangibles
$839,507Life insurance assets
$24,059All other assets
$731,118Total liabilities and capital
$723,908Total liabilities
$715,085Total deposits
$723,908Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$7,210Subordinated debt
$108,389All other liabilities
$108,389Total equity capital
$108,389Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$108,389Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,607Income earned, not collected on loans
$556Earning assets
$3,394Long-term assets (5+ years)
$798,540Average Assets, year-to-date
$0Average Assets, quarterly
$816,066Volatile liabilities
$832,411Insider loans
$389,014FHLB advances
$838,867Loans and leases held for sale
$14,559Unused loan commitments
$0Tier 1 (core) risk-based capital
$106,879Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$23,377Restructured Loans and leases
$918Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$33,237Total interest income
$14,592Total interest expense
$18,645Net interest income
-$55Provision for loan and lease losses
$1,514Total noninterest income
$0Fiduciary activities
$932Service charges on deposit accounts
$0Trading account gains & fees
$582Additional noninterest income
$16,077Total noninterest expense
$10,523Salaries and employee benefits
$2,372Premises and equipment expense
$3,182Additional noninterest expense
$4,137Pre-tax net operating income
$0Securities gains (losses)
$1,180Applicable income taxes
$2,957Income before extraordinary items
$0Extraordinary gains - net
$2,957Net income attributable to bank
$0Net charge-offs
$2,957Cash dividends
-$55Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.28%Yield on earning assets
1.88%Cost of funding earning assets
2.40%Net interest margin
0.20%Noninterest income to earning assets
2.07%Noninterest expense to earning assets
0.36%Net operating income to assets
0.36%Return on assets (ROA)
0.51%Pretax return on assets
2.77%Return on equity (ROE)
2.77%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
79,751Assets per employee
7.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.31%Loss allowance to noncurrent loans
48.52%Noncurrent assets plus other real estate owned to assets
0.47%Noncurrent loans to loans
0.64%Net loans and leases to deposits
77.06%Net loans and leases to core deposits
84.62%Equity capital to assets
12.91%Core capital (leverage) ratio
12.74%Tier 1 risk-based capital ratio
27.47%Total risk-based capital ratio
Memoranda
$28Average assets
$816,066Average earning assets
$106,726Average equity
$776,390Average loans

List of branches

5 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	41540	First Federal Savings And Loan Assoc	25 East High St, Waynesburg, PA 15370	January 01, 1924	Full Service Brick and Mortar
1	270175	Main Street And Beeson Blvd. Branch	Main Street And Beeson Blvd., Uniontown, PA 15401	January 01, 1924	Full Service Brick and Mortar
100	270176	101 W. George St. Branch	101 W. George St., Carmichaels, PA 15320	June 30, 1985	Full Service Brick and Mortar
103	464457	460 Washington Road Branch	460 Washington Road, Washington, PA 15301	August 06, 2001	Full Service Brick and Mortar
104	518318	Taylorstown Office	2980 's' Bridge Road, Taylorstown, PA 15365	March 01, 2007	Full Service Brick and Mortar

First Federal Savings and Loan Association of Greene Co in Waynesburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings and Loan Association of Greene Co - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings and Loan Association of Greene Co in Waynesburg, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings and Loan Association of Greene Co - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings and Loan Association of Greene Co in Waynesburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches