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

This bank is inactive as of September 27, 1997

  • Reliable Savings Bank in Bridgeville, Pennsylvania (PA)
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Reliable Savings Bank - Overview

  • General
  • FDIC Certificate #: 27940
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Commonwealth Bank (#7468)
    Federal Reserve ID: 625672
    Date Established: January 01, 1925
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 581
    FDIC's unique #: 40774
    Numeric code: 35
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 14, 1937
    Last Structure Change Effective Date: September 27, 1997
    Last Structure Change Process Date: October 08, 1997
    Last Data Update: October 08, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 428 Station Street, Bridgeville, PA 15017
    County: Allegheny
    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): Pittsburgh, PA (#6280)
    Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430)
    Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300)
    CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
  • Financial Summary
  • Total assets: $164.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $38Total assets
  • $156,225Cash and due from depository institutions
  • $4,899Interest-bearing balances
  • $3,776Securities
  • $42,444Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $104,275Loan loss allowance
  • $1,001Trading account assets
  • $0Bank premises and fixed assets
  • $2,419Other real estate owned
  • $138Goodwill and other intangibles
  • $2,050Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $156,225Total liabilities
  • $136,187Total deposits
  • $135,633Interest-bearing deposits
  • $128,936Deposits held in domestic offices
  • 135633.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $554Total equity capital
  • $554Total bank equity capital
  • $20,038Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,836Undivided profits
  • Memoranda
  • $13,202Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,287Income earned, not collected on loans
  • $63Earning assets
  • $150,495Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $153,328Average Assets, quarterly
  • $158,233Volatile liabilities
  • $11,651Insider loans
  • $71FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,366Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $19,979Total risk weighted assets
  • $74,344Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,041Total interest expense
  • $5,542Net interest income
  • $5,499Provision for loan and lease losses
  • $61Total noninterest income
  • $406Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $406Total noninterest expense
  • $3,676Salaries and employee benefits
  • $1,354Premises and equipment expense
  • $819Additional noninterest expense
  • $1,503Pre-tax net operating income
  • $2,168Securities gains (losses)
  • $0Applicable income taxes
  • $785Income before extraordinary items
  • $1,383Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,383Net charge-offs
  • $15Cash dividends
  • $300Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.49%Cost of funding earning assets
  • 3.76%Net interest margin
  • 3.73%Noninterest income to earning assets
  • 0.28%Noninterest expense to earning assets
  • 2.49%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 1.41%Return on equity (ROE)
  • 7.06%Retained earnings to average equity (YTD only)
  • 5.53%Net charge-offs to loans
  • 0.02%Credit loss provision to net charge-offs
  • 406.67%Efficiency ratio
  • 62,252Assets per employee
  • 4.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.69%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 43.77%Noncurrent assets plus other real estate owned to assets
  • 1.55%Noncurrent loans to loans
  • 2.17%Net loans and leases to deposits
  • 76.88%Net loans and leases to core deposits
  • 84.10%Equity capital to assets
  • 12.83%Core capital (leverage) ratio
  • 12.79%Tier 1 risk-based capital ratio
  • 26.87%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $153,328Average earning assets
  • $19,580Average equity
  • $147,372Average loans

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