Standard Bank, PaSB in city_name, state_name - Detailed Financial Reports, Location

Standard Bank, PaSB in Murrysville, Pennsylvania (PA), MD
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Standard Bank, PaSB routing number info

Standard Bank, PaSB - Overview

General
FDIC Certificate #: 27757
Status: Active
Federal Reserve ID: 811279
Bank Holding Company (Regulatory Top Holder): Standard Financial Corporation (RSSDID: 4183442, Location: Export, PA)
Date Established: January 01, 1921
WWW: http://www.standardbankpa.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 12 (Domestic: 12, Interstate: Yes)
OTS Docket #: 230
FDIC's unique #: 40591
Numeric code: 41
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: Febuary 21, 1947
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 4785 Old William Penn Highway, Murrysville, PA 15668
County: Westmoreland
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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $436.8 mil
Equity capital: $64.6 mil
Deposits held in domestic offices: $325.5 mil
Return on assets (ROA): 0.71% ($3.1 mil)
Quarterly return on assets: 0.72% ($3.1 mil)
Return on Equity (ROE): 4.91% ($3.2 mil)
Quarterly return on equity: 4.88% ($3.2 mil)
Net income: $3.1 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.01% ($4,411.5 mil)
Quarterly Pretax return on assets: 1.02% ($4,455.2 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
99Total employees (full-time equivalent)
$436,783Total assets
$12,379Cash and due from depository institutions
$9,971Interest-bearing balances
$102,517Securities
$0Federal funds sold & reverse repurchase agreements
$290,802Net loans & leases
$4,325Loan loss allowance
$0Trading account assets
$3,853Bank premises and fixed assets
$1,271Other real estate owned
$9,463Goodwill and other intangibles
$436,783Life insurance assets
$16,498All other assets
$372,225Total liabilities and capital
$325,476Total liabilities
$295,425Total deposits
$325,476Interest-bearing deposits
$95Deposits held in domestic offices
3342.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$41,151Trading liabilities
$0Other borrowed funds
$2,256Subordinated debt
$64,558All other liabilities
$64,558Total equity capital
$64,558Total bank equity capital
$0Perpetual preferred stock
$10Common stock
$38,448Surplus
$26,100Undivided profits
Memoranda
$0Noncurrent loans and leases
$100Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,847Income earned, not collected on loans
$0Earning assets
$1,291Long-term assets (5+ years)
$403,290Average Assets, year-to-date
$220,343Average Assets, quarterly
$434,815Volatile liabilities
$435,432Insider loans
$262,318FHLB advances
$426,741Loans and leases held for sale
$9,870Unused loan commitments
$6,317Tier 1 (core) risk-based capital
$53,838Tier 2 risk-based capital
$0Total risk weighted assets
$3,553Total unused commitments
$30,853Restructured Loans and leases
$791Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$18,248Total interest income
$5,118Total interest expense
$13,130Net interest income
$1,575Provision for loan and lease losses
$2,005Total noninterest income
$0Fiduciary activities
$1,219Service charges on deposit accounts
$0Trading account gains & fees
$786Additional noninterest income
$9,218Total noninterest expense
$5,413Salaries and employee benefits
$1,032Premises and equipment expense
$2,773Additional noninterest expense
$4,342Pre-tax net operating income
$30Securities gains (losses)
$1,302Applicable income taxes
$3,070Income before extraordinary items
$0Extraordinary gains - net
$3,070Net income attributable to bank
$0Net charge-offs
$3,070Cash dividends
$1,430Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.55%Yield on earning assets
1.27%Cost of funding earning assets
3.27%Net interest margin
0.50%Noninterest income to earning assets
2.30%Noninterest expense to earning assets
0.70%Net operating income to assets
0.71%Return on assets (ROA)
1.01%Pretax return on assets
4.91%Return on equity (ROE)
4.91%Retained earnings to average equity (YTD only)
0.49%Net charge-offs to loans
110.14%Credit loss provision to net charge-offs
4.14%Efficiency ratio
59,795Assets per employee
4.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.47%Loss allowance to noncurrent loans
112.43%Noncurrent assets plus other real estate owned to assets
1.17%Noncurrent loans to loans
1.30%Net loans and leases to deposits
89.35%Net loans and leases to core deposits
91.27%Equity capital to assets
14.78%Core capital (leverage) ratio
12.62%Tier 1 risk-based capital ratio
20.52%Total risk-based capital ratio
Memoranda
$22Average assets
$434,815Average earning assets
$62,563Average equity
$401,420Average loans

List of branches

2 Maryland Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
14	215860	Lavale Branch	1275 National Highway, La Vale, MD 21502	August 08, 1997	Full Service Brick and Mortar
15	365746	Cumberland Branch	200 North Mechanic Street, Cumberland, MD 21502	January 02, 2003	Full Service Brick and Mortar

10 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	40591	Standard Bank, Pasb	4785 Old William Penn Highway, Murrysville, PA 15668	January 01, 1921	Full Service Brick and Mortar
1	263303	Monroeville Office	2640 Monroeville Boulevard, Monroeville, PA 15146	January 01, 1921	Full Service Brick and Mortar
2	263304	Mt. Pleasant Office	659 W Main Street, Mount Pleasant, PA 15666	January 01, 1921	Full Service Brick and Mortar
3	263305	Ligonier Office	211 West Main St, Ligonier, PA 15658	January 01, 1921	Full Service Brick and Mortar
7	263309	Scottdale Branch	100 Pittsburgh Street, Scottdale, PA 15683	March 01, 1984	Full Service Brick and Mortar
8	263310	900 Summit Ridge Plaza	901 Route 819 South, Mount Pleasant, PA 15666	October 27, 1999	Full Service Retail
9	362122	Customer Care Center	2640 Monroeville Boulevard, Monroeville, PA 15146	March 31, 2001	Limited Service Administrative
11	430122	Www.Standardbankpa.com	2640 Monroeville Boulevard, Monroeville, PA 15146	March 01, 2002	Full Service Cyber
12	4890	Hyndman Branch	156 Washington Street, Hyndman, PA 15545	January 01, 1903	Full Service Brick and Mortar
16	518775	Greenburg Branch	5150 U.S. Route 30, Greensburg, PA 15601	April 04, 2011	Full Service Brick and Mortar

Standard Bank, PaSB in Murrysville, Pennsylvania (PA), MD
Overview, Financial Summary, Detailed Financial Reports, Branches

Standard Bank, PaSB - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Standard Bank, PaSB in Murrysville, Pennsylvania (PA), MDOverview, Financial Summary, Detailed Financial Reports, Branches

Standard Bank, PaSB - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Standard Bank, PaSB in Murrysville, Pennsylvania (PA), MD
Overview, Financial Summary, Detailed Financial Reports, Branches