FDIC Certificate #: 28699 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:ESB Bank (#27708) Federal Reserve ID: 139571 Date Established: January 01, 1918 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 2173 FDIC's unique #: 41533 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: May 15, 1944 Last Structure Change Effective Date: May 05, 2000 Last Structure Change Process Date: August 22, 2000 Last Data Update: August 22, 2000 Data Source Date: April 05, 2012
Location
Address: One North Shore Center, Suite 120, Pittsburgh, PA 15212 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: $91.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
27Total employees (full-time equivalent)
$89,729Total assets
$1,807Cash and due from depository institutions
$974Interest-bearing balances
$24,036Securities
$25Federal funds sold & reverse repurchase agreements
$61,441Net loans & leases
$471Loan loss allowance
$0Trading account assets
$950Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,470All other assets
$89,729Total liabilities and capital
$80,154Total liabilities
$69,183Total deposits
$67,124Interest-bearing deposits
$69,183Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$10,525Other borrowed funds
$0Subordinated debt
$446All other liabilities
$9,575Total equity capital
$9,575Total bank equity capital
$9,575Perpetual preferred stock
$0Common stock
$1Surplus
$4,399Undivided profits
Memoranda
$5,175Noncurrent loans and leases
$2,650Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,300Earning assets
$0Long-term assets (5+ years)
$338Average Assets, year-to-date
$86,476Average Assets, quarterly
$0Volatile liabilities
$89,288Insider loans
$90,579FHLB advances
$15,456Loans and leases held for sale
$0Unused loan commitments
$10,525Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,650Total unused commitments
$85Restructured Loans and leases
$471Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$6,497Total interest income
$3,675Total interest expense
$2,822Net interest income
$101Provision for loan and lease losses
$159Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$159Additional noninterest income
$2,563Total noninterest expense
$1,477Salaries and employee benefits
$380Premises and equipment expense
$706Additional noninterest expense
$317Pre-tax net operating income
$4Securities gains (losses)
$251Applicable income taxes
$70Income before extraordinary items
$0Extraordinary gains - net
$70Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$27Sale, conversion, retirement of capital stock, net
$205Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.58%Yield on earning assets
4.29%Cost of funding earning assets
3.29%Net interest margin
0.19%Noninterest income to earning assets
2.99%Noninterest expense to earning assets
0.08%Net operating income to assets
0.08%Return on assets (ROA)
0.36%Pretax return on assets
0.72%Return on equity (ROE)
-1.39%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
374.07%Credit loss provision to net charge-offs
15.48%Efficiency ratio
85,978Assets per employee
3.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
292.86%Loss allowance to loans
0.76%Loss allowance to noncurrent loans
36.23%Noncurrent assets plus other real estate owned to assets
1.45%Noncurrent loans to loans
2.10%Net loans and leases to deposits
88.81%Net loans and leases to core deposits
95.63%Equity capital to assets
10.67%Core capital (leverage) ratio
10.69%Tier 1 risk-based capital ratio
22.79%Total risk-based capital ratio
Memoranda
$24Average assets
$89,288Average earning assets
$9,733Average equity
$85,746Average loans
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