Malvern Federal Savings Bank in Paoli, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Malvern Federal Savings Bank in Paoli, Pennsylvania (PA)
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Malvern Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 27861
    Status: Active
    Federal Reserve ID: 676478
    Date Established: January 01, 1887
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 416
    FDIC's unique #: 40695
    Numeric code: 33
    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: January 08, 1947
    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: 42 East Lancaster Avenue, Paoli, PA 19301
    County: Chester
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $665.4 mil
    Equity capital: $57.9 mil
    Deposits held in domestic offices: $554.2 mil
    Return on assets (ROA): -0.62% (-$4.1 mil)
    Quarterly return on assets: 0.72% ($4.8 mil)
    Return on Equity (ROE): -7.50% (-$4.3 mil)
    Quarterly return on equity: 8.61% ($5.0 mil)
    Net income: -$4.1 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: -1.03% (-$6,853.2 mil)
    Quarterly Pretax return on assets: 1.04% ($6,919.7 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
  • 93Total employees (full-time equivalent)
  • $665,359Total assets
  • $57,150Cash and due from depository institutions
  • $55,777Interest-bearing balances
  • $84,733Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $476,676Net loans & leases
  • $9,015Loan loss allowance
  • $0Trading account assets
  • $8,068Bank premises and fixed assets
  • $6,431Other real estate owned
  • $117Goodwill and other intangibles
  • $665,359Life insurance assets
  • $32,184All other assets
  • $607,458Total liabilities and capital
  • $554,158Total liabilities
  • $530,574Total deposits
  • $554,158Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $51,135Trading liabilities
  • $0Other borrowed funds
  • $2,165Subordinated debt
  • $57,901All other liabilities
  • $57,901Total equity capital
  • $57,901Total bank equity capital
  • $0Perpetual preferred stock
  • $20,440Common stock
  • $0Surplus
  • $37,461Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,408Income earned, not collected on loans
  • $0Earning assets
  • $1,804Long-term assets (5+ years)
  • $617,186Average Assets, year-to-date
  • $346,113Average Assets, quarterly
  • $670,356Volatile liabilities
  • $663,780Insider loans
  • $445,912FHLB advances
  • $655,376Loans and leases held for sale
  • $14,894Unused loan commitments
  • $14,894Tier 1 (core) risk-based capital
  • $52,996Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,879Restructured Loans and leases
  • $347Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $28,812Total interest income
  • $9,690Total interest expense
  • $19,122Net interest income
  • $10,192Provision for loan and lease losses
  • $1,823Total noninterest income
  • $0Fiduciary activities
  • $222Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,601Additional noninterest income
  • $18,064Total noninterest expense
  • $6,471Salaries and employee benefits
  • $2,121Premises and equipment expense
  • $9,472Additional noninterest expense
  • -$7,311Pre-tax net operating income
  • $415Securities gains (losses)
  • -$2,760Applicable income taxes
  • -$4,136Income before extraordinary items
  • $0Extraordinary gains - net
  • -$4,136Net income attributable to bank
  • $0Net charge-offs
  • -$4,136Cash dividends
  • $8,726Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 1.56%Cost of funding earning assets
  • 3.08%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • -0.66%Net operating income to assets
  • -0.62%Return on assets (ROA)
  • -1.03%Pretax return on assets
  • -7.50%Return on equity (ROE)
  • -7.50%Retained earnings to average equity (YTD only)
  • 1.68%Net charge-offs to loans
  • 116.80%Credit loss provision to net charge-offs
  • 0.33%Efficiency ratio
  • 86,245Assets per employee
  • 7.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 86.62%Noncurrent assets plus other real estate owned to assets
  • 2.53%Noncurrent loans to loans
  • 2.14%Net loans and leases to deposits
  • 86.02%Net loans and leases to core deposits
  • 88.81%Equity capital to assets
  • 8.70%Core capital (leverage) ratio
  • 8.09%Tier 1 risk-based capital ratio
  • 11.88%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $670,356Average earning assets
  • $55,139Average equity
  • $621,057Average loans

List of branches

  • 8 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040695Malvern Federal Savings Bank42 East Lancaster Avenue, Paoli, PA 19301January 01, 1887Full Service Brick and Mortar
    1263791Pottstown Pike Branch109 North Pottstown Pike, Exton, PA 19341January 01, 1887Full Service Brick and Mortar
    2263792100 West King Street Branch100 West King Street, Malvern, PA 19355January 01, 1887Full Service Brick and Mortar
    100263793Rt 23 & 100 Branch1000 Ridge Road, Pottstown, PA 19465January 01, 1887Full Service Brick and Mortar
    101263794Lancaster Ave Branch650 Lancaster Ave, Berwyn, PA 19312January 01, 1887Full Service Brick and Mortar
    102263795West Uwchlan Avenue Branch537 West Uwchlan Avenue, Downingtown, PA 19335November 15, 1994Full Service Brick and Mortar
    103495692West Chester Branch100 Skiles Blvd, West Chester, PA 19382June 30, 2005Full Service Brick and Mortar
    104521948Concordville Branch940 Baltimore Pike, Glen Mills, PA 19342September 15, 2010Full Service Brick and Mortar

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