The Scottdale Bank & Trust Company in Scottdale, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Scottdale Bank & Trust Company in Scottdale, Pennsylvania (PA)
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The Scottdale Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 10688
    Status: Active
    Federal Reserve ID: 189820
    Bank Holding Company (Regulatory Top Holder): Lawrence Keister & Co (RSSDID: 1069273, Location: Scottdale, PA)
    Date Established: Febuary 25, 1901
    WWW: http://www.sbtbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11959
    FDIC's unique #: 6857
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: 150 Pittsburgh Street, Scottdale, PA 15683
    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: $233.6 mil
    Equity capital: $42.3 mil
    Deposits held in domestic offices: $190.1 mil
    Return on assets (ROA): 1.00% ($2.3 mil)
    Quarterly return on assets: 1.04% ($2.4 mil)
    Return on Equity (ROE): 5.57% ($2.3 mil)
    Quarterly return on equity: 5.80% ($2.4 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.00% ($2,336.2 mil)
    Quarterly Pretax return on assets: 1.07% ($2,499.8 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
  • 49Total employees (full-time equivalent)
  • $233,622Total assets
  • $19,449Cash and due from depository institutions
  • $10,087Interest-bearing balances
  • $138,889Securities
  • $937Federal funds sold & reverse repurchase agreements
  • $68,958Net loans & leases
  • $753Loan loss allowance
  • $0Trading account assets
  • $767Bank premises and fixed assets
  • $2,291Other real estate owned
  • $0Goodwill and other intangibles
  • $233,622Life insurance assets
  • $2,331All other assets
  • $191,359Total liabilities and capital
  • $190,135Total liabilities
  • $158,053Total deposits
  • $190,135Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,224Subordinated debt
  • $42,263All other liabilities
  • $42,263Total equity capital
  • $42,263Total bank equity capital
  • $0Perpetual preferred stock
  • $135Common stock
  • $1,200Surplus
  • $40,928Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,147Income earned, not collected on loans
  • $0Earning assets
  • $1,737Long-term assets (5+ years)
  • $218,871Average Assets, year-to-date
  • $76,582Average Assets, quarterly
  • $228,564Volatile liabilities
  • $232,573Insider loans
  • $125,432FHLB advances
  • $233,394Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $40,580Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,184Restructured Loans and leases
  • $347Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,886Total interest income
  • $1,173Total interest expense
  • $6,713Net interest income
  • $0Provision for loan and lease losses
  • $407Total noninterest income
  • $8Fiduciary activities
  • $273Service charges on deposit accounts
  • $0Trading account gains & fees
  • $126Additional noninterest income
  • $4,873Total noninterest expense
  • $2,994Salaries and employee benefits
  • $354Premises and equipment expense
  • $1,525Additional noninterest expense
  • $2,247Pre-tax net operating income
  • $39Securities gains (losses)
  • -$1Applicable income taxes
  • $2,287Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,287Net income attributable to bank
  • $0Net charge-offs
  • $2,287Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $304Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.68%Yield on earning assets
  • 0.55%Cost of funding earning assets
  • 3.13%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 2.28%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 5.57%Return on equity (ROE)
  • 4.83%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 561.75%Efficiency ratio
  • 68,441Assets per employee
  • 4.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.29%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 65.65%Noncurrent assets plus other real estate owned to assets
  • 1.51%Noncurrent loans to loans
  • 1.65%Net loans and leases to deposits
  • 36.27%Net loans and leases to core deposits
  • 36.53%Equity capital to assets
  • 18.09%Core capital (leverage) ratio
  • 17.39%Tier 1 risk-based capital ratio
  • 32.35%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $228,564Average earning assets
  • $41,087Average equity
  • $214,152Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $10,243Managed Assets
  • 1Number of Accounts
  • $9,663Personal trust and agency accounts
  • $4,866Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,797Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 30Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $580Other retirement accounts
  • $580Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06857The Scottdale Bank & Trust Company150 Pittsburgh Street, Scottdale, PA 15683Febuary 25, 1901Full Service Brick and Mortar
    115415Connellsville Branch125 South Arch Street, Connellsville, PA 15425December 22, 1975Full Service Brick and Mortar
    2254205Mount Pleasant-Scottdale BranchRoute 819 South, Mount Pleasant, PA 15666May 08, 1980Full Service Brick and Mortar
    3222893Tri-Town BranchRoute 201 Box 497, Vanderbilt, PA 15486July 16, 1996Full Service Brick and Mortar

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