Tristate Capital Bank in Pittsburgh, Pennsylvania (PA)

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Tristate Capital Bank
GeneralFDIC Certificate #: 58457
Status: Active
Federal Reserve ID: 3475083
Bank Holding Company (Regulatory Top Holder): Tristate Capital Holdings, Inc (RSSDID: 3475074, Location: Pittsburgh, PA)
Date Established: January 22, 2007
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 452197
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: Commercial Lending Specialization
Date of Deposit Insurance: January 22, 2007
Last Structure Change Effective Date: January 07, 2008
Last Structure Change Process Date: October 08, 2009
Last Data Update: October 08, 2009
Data Source Date: April 05, 2012
LocationAddress: One Oxford Center, 27th Floor, Pittsburgh, PA 15219
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)
History of ChangesOffice Purchased
Financial SummaryTotal assets: $1,834.0 mil
Equity capital: $185.6 mil
Deposits held in domestic offices: $1,637.8 mil
Return on assets (ROA): 0.46% ($8.4 mil)
Quarterly return on assets: 0.64% ($11.7 mil)
Return on Equity (ROE): 4.48% ($8.3 mil)
Quarterly return on equity: 6.22% ($11.6 mil)
Net income: $8.1 mil
Quarterly Net income: $2.9 mil
Pretax return on assets: 0.68% ($12,471.5 mil)
Quarterly Pretax return on assets: 0.95% ($17,423.4 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)103
Total assets$1,834,037
Cash and due from depository institutions$228,653
Interest-bearing balances$227,238
Federal funds sold & reverse repurchase agreements$6,811
Net loans & leases$1,390,645
Loan loss allowance $16,350
Trading account assets$0
Bank premises and fixed assets$4,045
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$40,491
Life insurance assets$1,834,037
Total liabilities and capital$1,648,414
Total liabilities$1,637,783
Total deposits$1,439,497
Interest-bearing deposits$1,637,783
Deposits held in domestic offices$77
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $10,631
All other liabilities $185,623
Total equity capital$185,623
Total bank equity capital$185,623
Perpetual preferred stock$0
Common stock$10,000
Undivided profits $-12,020
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $34
Income earned, not collected on loans $16,428
Earning assets $0
Long-term assets (5+ years) $4,802
Average Assets, year-to-date $1,788,086
Average Assets, quarterly $164,462
Volatile liabilities $1,761,004
Insider loans $1,802,295
FHLB advances $1,729,177
Loans and leases held for sale $1,805,104
Unused loan commitments $10,375
Tier 1 (core) risk-based capital $10,375
Tier 2 risk-based capital $184,885
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $414,357
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $65,407
Total interest expense $17,986
Net interest income $47,421
Provision for loan and lease losses $5,339
Total noninterest income $2,545
Fiduciary activities $0
Service charges on deposit accounts $367
Trading account gains & fees $0
Additional noninterest income $2,178
Total noninterest expense $33,975
Salaries and employee benefits $20,405
Premises and equipment expense $2,380
Additional noninterest expense $11,190
Pre-tax net operating income $10,652
Securities gains (losses) $1,323
Applicable income taxes $3,876
Income before extraordinary items $8,099
Extraordinary gains - net $0
Net income attributable to bank $8,099
Net charge-offs $0
Cash dividends $8,099
Sale, conversion, retirement of capital stock, net $6,100
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 assets3.82%
Cost of funding earning assets 1.05%
Net interest margin 2.77%
Noninterest income to earning assets 0.15%
Noninterest expense to earning assets 1.98%
Net operating income to assets 0.41%
Return on assets (ROA) 0.46%
Pretax return on assets 0.68%
Return on equity (ROE) 4.48%
Retained earnings to average equity (YTD only) 4.48%
Net charge-offs to loans 0.46%
Credit loss provision to net charge-offs 87.52%
Efficiency ratio2.62%
Assets per employee$67,996
Cash dividends to net income (YTD only)17.81%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.16%
Noncurrent assets plus other real estate owned to assets 99.53%
Noncurrent loans to loans 0.90%
Net loans and leases to deposits1.17%
Net loans and leases to core deposits 84.91%
Equity capital to assets 153.13%
Core capital (leverage) ratio 10.12%
Tier 1 risk-based capital ratio 10.24%
Total risk-based capital ratio 10.69%
Average assets$12
Average earning assets$1,761,004
Average equity $180,782
Average loans $1,712,038
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2 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0452197Tristate Capital BankOne Oxford Center, 27th Floor, Pittsburgh, PA 15219January 22, 2007Full Service Brick and Mortar
2511430Tristate Capital Direct Branch301 Grant Street, Suite 2700, Pittsburgh, PA 15219September 26, 2007Full Service Brick and Mortar
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