First Savings Bank of Perkasie in Perkasie, Pennsylvania (PA)



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First Savings Bank of Perkasie routing number info

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First Savings Bank of Perkasie
GeneralFDIC 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
LocationAddress: 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 ChangesName Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)181
Total assets$1,006,969
Cash and due from depository institutions$41,406
Interest-bearing balances$33,460
Securities$189,471
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$667,901
Loan loss allowance $17,161
Trading account assets$0
Bank premises and fixed assets$20,075
Other real estate owned$4,013
Goodwill and other intangibles$10,666
All other assets$73,437
Life insurance assets$1,006,969
Total liabilities and capital$862,619
Total liabilities$683,761
Total deposits$640,467
Interest-bearing deposits$683,761
Deposits held in domestic offices$84
% insured (estimated)11461.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$153,551
Other borrowed funds $0
Subordinated debt $13,846
All other liabilities $144,350
Total equity capital$144,350
Total bank equity capital$144,350
Perpetual preferred stock$0
Common stock$0
Surplus$1
Undivided profits $144,349
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,491
Income earned, not collected on loans $34,518
Earning assets $0
Long-term assets (5+ years) $3,519
Average Assets, year-to-date $890,832
Average Assets, quarterly $281,223
Volatile liabilities $1,020,740
Insider loans $1,009,393
FHLB advances $651,870
Loans and leases held for sale $994,761
Unused loan commitments $37,736
Tier 1 (core) risk-based capital $33,119
Tier 2 risk-based capital $131,320
Total risk weighted assets $1,640
Total unused commitments $2,977
Restructured Loans and leases $78,841
Derivatives$1,395
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $42,315
Total interest expense $15,992
Net interest income $26,323
Provision for loan and lease losses $15,571
Total noninterest income $12,601
Fiduciary activities $112
Service charges on deposit accounts $853
Trading account gains & fees $0
Additional noninterest income $11,636
Total noninterest expense $35,158
Salaries and employee benefits $13,235
Premises and equipment expense $2,524
Additional noninterest expense $19,399
Pre-tax net operating income -$11,805
Securities gains (losses) $943
Applicable income taxes -$4,594
Income before extraordinary items -$6,268
Extraordinary gains - net $0
Net income attributable to bank -$6,268
Net charge-offs $0
Cash dividends -$6,268
Sale, conversion, retirement of capital stock, net $9,531
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.70%
Cost of funding earning assets 1.78%
Net interest margin 2.92%
Noninterest income to earning assets 1.40%
Noninterest expense to earning assets 3.90%
Net operating income to assets -0.67%
Return on assets (ROA) -0.61%
Pretax return on assets -1.06%
Return on equity (ROE) -4.21%
Retained earnings to average equity (YTD only) -4.21%
Net charge-offs to loans 1.36%
Credit loss provision to net charge-offs 163.37%
Efficiency ratio0.40%
Assets per employee$62,244
Cash dividends to net income (YTD only)5.56%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.51%
Noncurrent assets plus other real estate owned to assets 49.72%
Noncurrent loans to loans 3.83%
Net loans and leases to deposits5.04%
Net loans and leases to core deposits 97.68%
Equity capital to assets 99.99%
Core capital (leverage) ratio 14.34%
Tier 1 risk-based capital ratio 13.20%
Total risk-based capital ratio 20.15%
Memoranda
Average assets$21
Average earning assets$1,020,740
Average equity $148,791
Average loans $900,404
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$14,536
Number of Accounts1
Personal trust and agency accounts$13,235
Employee benefit-defined contribution accounts$10,829
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$2,406
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts52
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,301
Corporate trust and agency accounts$496
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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