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 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
  • NoIDNameAddressEstablishedService TypeMap
    041540First Federal Savings And Loan Assoc25 East High St, Waynesburg, PA 15370January 01, 1924Full Service Brick and Mortar
    1270175Main Street And Beeson Blvd. BranchMain Street And Beeson Blvd., Uniontown, PA 15401January 01, 1924Full Service Brick and Mortar
    100270176101 W. George St. Branch101 W. George St., Carmichaels, PA 15320June 30, 1985Full Service Brick and Mortar
    103464457460 Washington Road Branch460 Washington Road, Washington, PA 15301August 06, 2001Full Service Brick and Mortar
    104518318Taylorstown Office2980 's' Bridge Road, Taylorstown, PA 15365March 01, 2007Full Service Brick and Mortar

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