First Savings Bank of Perkasie in Perkasie, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


First Savings Bank of Perkasie - Overview

  • General
  • FDIC Certificate #: 30401
    Status: Active
    Federal Reserve ID: 328777
    Bank Holding Company (Regulatory Top Holder): Fsb Mutual Holdings, Inc. (RSSDID: 3200463, Location: Perkasie, PA)
    Date Established: January 01, 1922
    WWW: http://www.firstsavingsonline.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 5285
    FDIC's unique #: 43235
    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: Commercial Lending Specialization
    Date of Deposit Insurance: October 27, 1949
    Last Structure Change Effective Date: Febuary 06, 2008
    Last Structure Change Process Date: Febuary 06, 2008
    Last Data Update: Febuary 06, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 219 S. Ninth Street, Perkasie, PA 18944
    County: Bucks
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $1,007.0 mil
    Equity capital: $144.3 mil
    Deposits held in domestic offices: $683.8 mil
    Return on assets (ROA): -0.61% (-$6.1 mil)
    Quarterly return on assets: -1.80% (-$18.1 mil)
    Return on Equity (ROE): -4.21% (-$6.1 mil)
    Quarterly return on equity: -12.36% (-$17.8 mil)
    Net income: -$6.3 mil
    Quarterly Net income: -$4.5 mil
    Pretax return on assets: -1.06% (-$10,673.9 mil)
    Quarterly Pretax return on assets: -2.78% (-$27,993.7 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, 2011)

  • Dollar figures in thousands
  • 181Total employees (full-time equivalent)
  • $1,006,969Total assets
  • $41,406Cash and due from depository institutions
  • $33,460Interest-bearing balances
  • $189,471Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $667,901Net loans & leases
  • $17,161Loan loss allowance
  • $0Trading account assets
  • $20,075Bank premises and fixed assets
  • $4,013Other real estate owned
  • $10,666Goodwill and other intangibles
  • $1,006,969Life insurance assets
  • $73,437All other assets
  • $862,619Total liabilities and capital
  • $683,761Total liabilities
  • $640,467Total deposits
  • $683,761Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 11461.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $153,551Trading liabilities
  • $0Other borrowed funds
  • $13,846Subordinated debt
  • $144,350All other liabilities
  • $144,350Total equity capital
  • $144,350Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $144,349Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,491Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $34,518Income earned, not collected on loans
  • $0Earning assets
  • $3,519Long-term assets (5+ years)
  • $890,832Average Assets, year-to-date
  • $281,223Average Assets, quarterly
  • $1,020,740Volatile liabilities
  • $1,009,393Insider loans
  • $651,870FHLB advances
  • $994,761Loans and leases held for sale
  • $37,736Unused loan commitments
  • $33,119Tier 1 (core) risk-based capital
  • $131,320Tier 2 risk-based capital
  • $1,640Total risk weighted assets
  • $2,977Total unused commitments
  • $78,841Restructured Loans and leases
  • $1,395Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $42,315Total interest income
  • $15,992Total interest expense
  • $26,323Net interest income
  • $15,571Provision for loan and lease losses
  • $12,601Total noninterest income
  • $112Fiduciary activities
  • $853Service charges on deposit accounts
  • $0Trading account gains & fees
  • $11,636Additional noninterest income
  • $35,158Total noninterest expense
  • $13,235Salaries and employee benefits
  • $2,524Premises and equipment expense
  • $19,399Additional noninterest expense
  • -$11,805Pre-tax net operating income
  • $943Securities gains (losses)
  • -$4,594Applicable income taxes
  • -$6,268Income before extraordinary items
  • $0Extraordinary gains - net
  • -$6,268Net income attributable to bank
  • $0Net charge-offs
  • -$6,268Cash dividends
  • $9,531Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.70%Yield on earning assets
  • 1.78%Cost of funding earning assets
  • 2.92%Net interest margin
  • 1.40%Noninterest income to earning assets
  • 3.90%Noninterest expense to earning assets
  • -0.67%Net operating income to assets
  • -0.61%Return on assets (ROA)
  • -1.06%Pretax return on assets
  • -4.21%Return on equity (ROE)
  • -4.21%Retained earnings to average equity (YTD only)
  • 1.36%Net charge-offs to loans
  • 163.37%Credit loss provision to net charge-offs
  • 0.40%Efficiency ratio
  • 62,244Assets per employee
  • 5.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.51%Loss allowance to noncurrent loans
  • 49.72%Noncurrent assets plus other real estate owned to assets
  • 3.83%Noncurrent loans to loans
  • 5.04%Net loans and leases to deposits
  • 97.68%Net loans and leases to core deposits
  • 99.99%Equity capital to assets
  • 14.34%Core capital (leverage) ratio
  • 13.20%Tier 1 risk-based capital ratio
  • 20.15%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $1,020,740Average earning assets
  • $148,791Average equity
  • $900,404Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $14,536Managed Assets
  • 1Number of Accounts
  • $13,235Personal trust and agency accounts
  • $10,829Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $2,406Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 52Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,301Other retirement accounts
  • $496Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 12 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043235First Savings Bank Of Perkasie219 S. Ninth Street, Perkasie, PA 18944January 01, 1922Full Service Brick and Mortar
    1280308Riegelsville Branch1315 Easton Road, Riegelsville, PA 18077January 01, 1922Full Service Brick and Mortar
    2280309600 Market Street Branch600 Market Street, Perkasie, PA 18944January 01, 1922Full Service Brick and Mortar
    3280310142 N Main Street Branch142 N Main Street, Dublin, PA 18917January 01, 1922Full Service Brick and Mortar
    100280311519 Richlandtown Pike Branch519 Richlandtown Pike, Richlandtown, PA 18955January 01, 1922Full Service Brick and Mortar
    101280312Glenwood Center Operations Branch1129 North Fifth Street, Perkasie, PA 18944October 01, 1988Limited Service Loan Production
    102280313Milford Township Branch400 Commerce Boulevard, Quakertown, PA 18951October 15, 1996Full Service Brick and Mortar
    103280314Bedminster Branch6999 Easton Road, Po Box 470, Pipersville, PA 18947January 05, 1998Full Service Brick and Mortar
    104429287Quakertown Commons Branch1051 South West End Blvd, Quakertown, PA 18951May 10, 2004Full Service Brick and Mortar
    105466622Glenwood Branch1129 N Fifth St, Perkasie, PA 18944July 01, 2006Full Service Brick and Mortar
    106479321New Britain Branch380 West Butler Avenue, New Britain, PA 18901May 19, 2008Full Service Brick and Mortar
    107512608Pool's Corner3617 Rt. 202, Doylestown, PA 18902September 14, 2010Full Service Brick and Mortar

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