Standard Bank, PaSB in Murrysville, Pennsylvania (PA), MD



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Standard Bank, PaSB routing number info

Table of contents:
Standard Bank, PaSB
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)99
Total assets$436,783
Cash and due from depository institutions$12,379
Interest-bearing balances$9,971
Securities$102,517
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$290,802
Loan loss allowance $4,325
Trading account assets$0
Bank premises and fixed assets$3,853
Other real estate owned$1,271
Goodwill and other intangibles$9,463
All other assets$16,498
Life insurance assets$436,783
Total liabilities and capital$372,225
Total liabilities$325,476
Total deposits$295,425
Interest-bearing deposits$325,476
Deposits held in domestic offices$95
% insured (estimated)3342.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$41,151
Other borrowed funds $0
Subordinated debt $2,256
All other liabilities $64,558
Total equity capital$64,558
Total bank equity capital$64,558
Perpetual preferred stock$0
Common stock$10
Surplus$38,448
Undivided profits $26,100
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $100
Income earned, not collected on loans $3,847
Earning assets $0
Long-term assets (5+ years) $1,291
Average Assets, year-to-date $403,290
Average Assets, quarterly $220,343
Volatile liabilities $434,815
Insider loans $435,432
FHLB advances $262,318
Loans and leases held for sale $426,741
Unused loan commitments $9,870
Tier 1 (core) risk-based capital $6,317
Tier 2 risk-based capital $53,838
Total risk weighted assets $0
Total unused commitments $3,553
Restructured Loans and leases $30,853
Derivatives$791
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $18,248
Total interest expense $5,118
Net interest income $13,130
Provision for loan and lease losses $1,575
Total noninterest income $2,005
Fiduciary activities $0
Service charges on deposit accounts $1,219
Trading account gains & fees $0
Additional noninterest income $786
Total noninterest expense $9,218
Salaries and employee benefits $5,413
Premises and equipment expense $1,032
Additional noninterest expense $2,773
Pre-tax net operating income $4,342
Securities gains (losses) $30
Applicable income taxes $1,302
Income before extraordinary items $3,070
Extraordinary gains - net $0
Net income attributable to bank $3,070
Net charge-offs $0
Cash dividends $3,070
Sale, conversion, retirement of capital stock, net $1,430
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.55%
Cost of funding earning assets 1.27%
Net interest margin 3.27%
Noninterest income to earning assets 0.50%
Noninterest expense to earning assets 2.30%
Net operating income to assets 0.70%
Return on assets (ROA) 0.71%
Pretax return on assets 1.01%
Return on equity (ROE) 4.91%
Retained earnings to average equity (YTD only) 4.91%
Net charge-offs to loans 0.49%
Credit loss provision to net charge-offs 110.14%
Efficiency ratio4.14%
Assets per employee$59,795
Cash dividends to net income (YTD only)4.41%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.47%
Noncurrent assets plus other real estate owned to assets 112.43%
Noncurrent loans to loans 1.17%
Net loans and leases to deposits1.30%
Net loans and leases to core deposits 89.35%
Equity capital to assets 91.27%
Core capital (leverage) ratio 14.78%
Tier 1 risk-based capital ratio 12.62%
Total risk-based capital ratio 20.52%
Memoranda
Average assets$22
Average earning assets$434,815
Average equity $62,563
Average loans $401,420
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2 Maryland Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
14215860Lavale Branch1275 National Highway, La Vale, MD 21502August 08, 1997Full Service Brick and Mortar
15365746Cumberland Branch200 North Mechanic Street, Cumberland, MD 21502January 02, 2003Full Service Brick and Mortar
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10 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
040591Standard Bank, Pasb4785 Old William Penn Highway, Murrysville, PA 15668January 01, 1921Full Service Brick and Mortar
1263303Monroeville Office2640 Monroeville Boulevard, Monroeville, PA 15146January 01, 1921Full Service Brick and Mortar
2263304Mt. Pleasant Office659 W Main Street, Mount Pleasant, PA 15666January 01, 1921Full Service Brick and Mortar
3263305Ligonier Office211 West Main St, Ligonier, PA 15658January 01, 1921Full Service Brick and Mortar
7263309Scottdale Branch100 Pittsburgh Street, Scottdale, PA 15683March 01, 1984Full Service Brick and Mortar
8263310900 Summit Ridge Plaza901 Route 819 South, Mount Pleasant, PA 15666October 27, 1999Full Service Retail
9362122Customer Care Center2640 Monroeville Boulevard, Monroeville, PA 15146March 31, 2001Limited Service Administrative
11430122Www.Standardbankpa.com2640 Monroeville Boulevard, Monroeville, PA 15146March 01, 2002Full Service Cyber
124890Hyndman Branch156 Washington Street, Hyndman, PA 15545January 01, 1903Full Service Brick and Mortar
16518775Greenburg Branch5150 U.S. Route 30, Greensburg, PA 15601April 04, 2011Full Service Brick and Mortar
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