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


  • Milton Savings Bank in Milton, Pennsylvania (PA)
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Milton Savings Bank - Overview

  • General
  • FDIC Certificate #: 28637
    Status: Active
    Federal Reserve ID: 123075
    Date Established: January 01, 1920
    WWW: http://www.miltonsavingsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 2007
    FDIC's unique #: 41471
    Numeric code: 34
    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: March 28, 1972
    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: 80 Broadway, Milton, PA 17847
    County: Northumberland
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Combined Statistical Area (CSA): Sunbury-Lewisburg-Selinsgrove, PA (#526)
    Core Based Statistical Area (CBSA): Sunbury, PA (#44980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $68.1 mil
    Equity capital: $11.6 mil
    Deposits held in domestic offices: $56.5 mil
    Return on assets (ROA): 1.07% ($0.7 mil)
    Quarterly return on assets: 0.72% ($0.5 mil)
    Return on Equity (ROE): 6.46% ($0.8 mil)
    Quarterly return on equity: 4.28% ($0.5 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.73% ($1,178.8 mil)
    Quarterly Pretax return on assets: 1.14% ($776.8 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
  • 9Total employees (full-time equivalent)
  • $68,139Total assets
  • $6,866Cash and due from depository institutions
  • $6,433Interest-bearing balances
  • $6,587Securities
  • $1,015Federal funds sold & reverse repurchase agreements
  • $52,815Net loans & leases
  • $513Loan loss allowance
  • $0Trading account assets
  • $277Bank premises and fixed assets
  • $22Other real estate owned
  • $0Goodwill and other intangibles
  • $68,139Life insurance assets
  • $557All other assets
  • $56,565Total liabilities and capital
  • $56,469Total liabilities
  • $55,361Total deposits
  • $56,469Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $96Subordinated debt
  • $11,574All other liabilities
  • $11,574Total equity capital
  • $11,574Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $11,574Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $382Income earned, not collected on loans
  • $0Earning assets
  • $174Long-term assets (5+ years)
  • $66,850Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $67,558Volatile liabilities
  • $67,996Insider loans
  • $31,616FHLB advances
  • $68,079Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,514Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,631Restructured Loans and leases
  • $1,688Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,308Total interest income
  • $811Total interest expense
  • $2,497Net interest income
  • $43Provision for loan and lease losses
  • $49Total noninterest income
  • $0Fiduciary activities
  • $6Service charges on deposit accounts
  • $0Trading account gains & fees
  • $43Additional noninterest income
  • $1,332Total noninterest expense
  • $681Salaries and employee benefits
  • $331Premises and equipment expense
  • $320Additional noninterest expense
  • $1,171Pre-tax net operating income
  • $0Securities gains (losses)
  • $448Applicable income taxes
  • $723Income before extraordinary items
  • $0Extraordinary gains - net
  • $723Net income attributable to bank
  • $0Net charge-offs
  • $723Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 2.01%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 6.46%Return on equity (ROE)
  • 6.46%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 52,317Assets per employee
  • 7.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 134.29%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 93.53%Net loans and leases to core deposits
  • 94.38%Equity capital to assets
  • 16.99%Core capital (leverage) ratio
  • 16.91%Tier 1 risk-based capital ratio
  • 36.42%Total risk-based capital ratio
  • Memoranda
  • $38Average assets
  • $67,558Average earning assets
  • $11,185Average equity
  • $66,268Average loans

List of branches

  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041471Milton Savings Bank80 Broadway, Milton, PA 17847January 01, 1920Full Service Brick and Mortar

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