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


Investment Savings Bank - Overview

  • General
  • FDIC Certificate #: 30121
    Status: Active
    Federal Reserve ID: 854173
    Date Established: January 01, 1939
    WWW: http://www.investmentsb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 4789
    FDIC's unique #: 42955
    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: November 26, 1940
    Last Structure Change Effective Date: July 30, 2008
    Last Structure Change Process Date: July 30, 2008
    Last Data Update: July 30, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1201 Eighth Avenue, Altoona, PA 16602
    County: Blair
    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): Altoona, PA (#280)
    Core Based Statistical Area (CBSA): Altoona, PA (#11020)
    CBSA Metro Statistical Area: Altoona, PA (#11020)
  • Financial Summary
  • Total assets: $120.5 mil
    Equity capital: $18.9 mil
    Deposits held in domestic offices: $91.0 mil
    Return on assets (ROA): 0.52% ($0.6 mil)
    Quarterly return on assets: 0.51% ($0.6 mil)
    Return on Equity (ROE): 3.45% ($0.7 mil)
    Quarterly return on equity: 3.26% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.72% ($867.4 mil)
    Quarterly Pretax return on assets: 0.72% ($867.4 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
  • 27Total employees (full-time equivalent)
  • $120,477Total assets
  • $6,981Cash and due from depository institutions
  • $5,612Interest-bearing balances
  • $34,407Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $70,987Net loans & leases
  • $231Loan loss allowance
  • $0Trading account assets
  • $1,168Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $120,477Life insurance assets
  • $6,934All other assets
  • $101,578Total liabilities and capital
  • $90,983Total liabilities
  • $86,785Total deposits
  • $90,983Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,312Trading liabilities
  • $0Other borrowed funds
  • $1,283Subordinated debt
  • $18,899All other liabilities
  • $18,899Total equity capital
  • $18,899Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $18,899Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $355Income earned, not collected on loans
  • $0Earning assets
  • $424Long-term assets (5+ years)
  • $111,006Average Assets, year-to-date
  • $76,069Average Assets, quarterly
  • $122,536Volatile liabilities
  • $121,865Insider loans
  • $61,701FHLB advances
  • $121,142Loans and leases held for sale
  • $4,982Unused loan commitments
  • $2,290Tier 1 (core) risk-based capital
  • $18,024Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,692Total unused commitments
  • $4,114Restructured Loans and leases
  • $425Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,258Total interest income
  • $1,705Total interest expense
  • $3,553Net interest income
  • $134Provision for loan and lease losses
  • $597Total noninterest income
  • $0Fiduciary activities
  • $145Service charges on deposit accounts
  • $0Trading account gains & fees
  • $452Additional noninterest income
  • $3,185Total noninterest expense
  • $1,834Salaries and employee benefits
  • $259Premises and equipment expense
  • $1,092Additional noninterest expense
  • $831Pre-tax net operating income
  • $47Securities gains (losses)
  • $239Applicable income taxes
  • $639Income before extraordinary items
  • $0Extraordinary gains - net
  • $639Net income attributable to bank
  • $0Net charge-offs
  • $639Cash dividends
  • $187Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 1.51%Cost of funding earning assets
  • 3.15%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 3.45%Return on equity (ROE)
  • 3.45%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 71.66%Credit loss provision to net charge-offs
  • 5.16%Efficiency ratio
  • 76,747Assets per employee
  • 4.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.32%Loss allowance to noncurrent loans
  • 65.07%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 78.02%Net loans and leases to core deposits
  • 84.46%Equity capital to assets
  • 15.69%Core capital (leverage) ratio
  • 14.88%Tier 1 risk-based capital ratio
  • 29.21%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $122,536Average earning assets
  • $18,504Average equity
  • $112,942Average loans

List of branches

  • 2 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042955Investment Savings Bank1201 Eighth Avenue, Altoona, PA 16602January 01, 1939Full Service Brick and Mortar
    1278702322 Allegheny Street Branch322 Allegheny Street, Hollidaysburg, PA 16648January 01, 1939Full Service Brick and Mortar

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