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

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