Greenville Savings Bank in Greenville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Greenville Savings Bank - Overview

  • General
  • FDIC Certificate #: 30637
    Status: Active
    Federal Reserve ID: 357777
    Date Established: January 01, 1911
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 5666
    FDIC's unique #: 43471
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: August 14, 1953
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 233 Main Street, Greenville, PA 16125
    County: Mercer
    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): Sharon, PA (#7610)
    Combined Statistical Area (CSA): Youngstown-Warren-East Liverpool, OH-PA (#566)
    Core Based Statistical Area (CBSA): Youngstown-Warren-Boardman, OH-PA (#49660)
    CBSA Metro Statistical Area: Youngstown-Warren-Boardman, OH-PA (#49660)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $226.7 mil
    Equity capital: $21.9 mil
    Deposits held in domestic offices: $189.7 mil
    Return on assets (ROA): 0.72% ($1.6 mil)
    Quarterly return on assets: 0.59% ($1.3 mil)
    Return on Equity (ROE): 7.25% ($1.6 mil)
    Quarterly return on equity: 6.03% ($1.3 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.08% ($2,448.8 mil)
    Quarterly Pretax return on assets: 0.87% ($1,972.6 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
  • 35Total employees (full-time equivalent)
  • $226,740Total assets
  • $21,674Cash and due from depository institutions
  • $20,581Interest-bearing balances
  • $58,364Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $140,694Net loans & leases
  • $1,115Loan loss allowance
  • $0Trading account assets
  • $2,510Bank premises and fixed assets
  • $94Other real estate owned
  • $84Goodwill and other intangibles
  • $226,740Life insurance assets
  • $3,320All other assets
  • $204,802Total liabilities and capital
  • $189,702Total liabilities
  • $182,735Total deposits
  • $189,702Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $100Subordinated debt
  • $21,938All other liabilities
  • $21,938Total equity capital
  • $21,938Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $21,938Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,048Income earned, not collected on loans
  • $0Earning assets
  • $702Long-term assets (5+ years)
  • $219,639Average Assets, year-to-date
  • $140,528Average Assets, quarterly
  • $214,715Volatile liabilities
  • $223,209Insider loans
  • $118,575FHLB advances
  • $221,994Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,925Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,141Restructured Loans and leases
  • $245Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,155Total interest income
  • $3,021Total interest expense
  • $6,134Net interest income
  • $180Provision for loan and lease losses
  • $292Total noninterest income
  • $0Fiduciary activities
  • $103Service charges on deposit accounts
  • $0Trading account gains & fees
  • $189Additional noninterest income
  • $3,928Total noninterest expense
  • $2,176Salaries and employee benefits
  • $588Premises and equipment expense
  • $1,164Additional noninterest expense
  • $2,318Pre-tax net operating income
  • $0Securities gains (losses)
  • $782Applicable income taxes
  • $1,536Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,536Net income attributable to bank
  • $0Net charge-offs
  • $1,536Cash dividends
  • $227Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 1.46%Cost of funding earning assets
  • 2.96%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 1.89%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 7.25%Return on equity (ROE)
  • 7.25%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 79.30%Credit loss provision to net charge-offs
  • 11.00%Efficiency ratio
  • 61,127Assets per employee
  • 6.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.79%Loss allowance to noncurrent loans
  • 106.39%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.74%Net loans and leases to deposits
  • 74.17%Net loans and leases to core deposits
  • 76.98%Equity capital to assets
  • 9.68%Core capital (leverage) ratio
  • 9.88%Tier 1 risk-based capital ratio
  • 18.49%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $214,715Average earning assets
  • $21,185Average equity
  • $207,521Average loans

List of branches

  • 3 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043471Greenville Savings Bank233 Main Street, Greenville, PA 16125January 01, 1911Full Service Brick and Mortar
    1362879Hermitage Branch550 North Hermitage Road, Hermitage, PA 16148January 03, 2002Full Service Brick and Mortar
    2445688New Castle Branch3302 Wilmington Road, New Castle, PA 16105October 03, 2005Full Service Brick and Mortar

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