FDIC Certificate #: 29967 Status: Active Federal Reserve ID: 725376 Date Established: January 01, 1893 WWW:http://www.unionblsb.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 4441 FDIC's unique #: 42801 Numeric code: 42 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: January 03, 1978 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: 303 Leopard Lane, West Bridgewater, PA 15009 County: Beaver 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: $42.0 mil Equity capital: $6.9 mil Deposits held in domestic offices: $35.1 mil Return on assets (ROA): 0.57% ($0.2 mil) Quarterly return on assets: 0.49% ($0.2 mil) Return on Equity (ROE): 3.51% ($0.2 mil) Quarterly return on equity: 2.97% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.91% ($382.3 mil) Quarterly Pretax return on assets: 0.42% ($176.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$42,009Total assets
$8,952Cash and due from depository institutions
$8,485Interest-bearing balances
$310Securities
$0Federal funds sold & reverse repurchase agreements
$31,393Net loans & leases
$386Loan loss allowance
$0Trading account assets
$437Bank premises and fixed assets
$225Other real estate owned
$0Goodwill and other intangibles
$42,009Life insurance assets
$692All other assets
$35,104Total liabilities and capital
$35,067Total liabilities
$34,002Total deposits
$35,067Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$37Subordinated debt
$6,905All other liabilities
$6,905Total equity capital
$6,905Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$6,905Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$975Income earned, not collected on loans
$0Earning assets
$128Long-term assets (5+ years)
$40,188Average Assets, year-to-date
$29,829Average Assets, quarterly
$41,429Volatile liabilities
$41,845Insider loans
$22,629FHLB advances
$42,865Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,905Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$643Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,934Total interest income
$558Total interest expense
$1,376Net interest income
$70Provision for loan and lease losses
$61Total noninterest income
$0Fiduciary activities
$15Service charges on deposit accounts
$0Trading account gains & fees
$46Additional noninterest income
$988Total noninterest expense
$521Salaries and employee benefits
$101Premises and equipment expense
$366Additional noninterest expense
$379Pre-tax net operating income
$0Securities gains (losses)
$141Applicable income taxes
$238Income before extraordinary items
$0Extraordinary gains - net
$238Net income attributable to bank
$0Net charge-offs
$238Cash dividends
$11Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.86%Yield on earning assets
1.40%Cost of funding earning assets
3.46%Net interest margin
0.15%Noninterest income to earning assets
2.48%Noninterest expense to earning assets
0.57%Net operating income to assets
0.57%Return on assets (ROA)
0.91%Pretax return on assets
3.51%Return on equity (ROE)
3.51%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
636.36%Credit loss provision to net charge-offs
40.82%Efficiency ratio
68,754Assets per employee
5.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
39.59%Noncurrent assets plus other real estate owned to assets
2.86%Noncurrent loans to loans
3.07%Net loans and leases to deposits
89.52%Net loans and leases to core deposits
95.98%Equity capital to assets
16.44%Core capital (leverage) ratio
16.11%Tier 1 risk-based capital ratio
30.51%Total risk-based capital ratio
Memoranda
$32Average assets
$41,429Average earning assets
$6,787Average equity
$39,768Average loans
List of branches
1 Pennsylvania Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42801
Union Building And Loan Savings Bank
303 Leopard Lane, West Bridgewater, PA 15009
January 01, 1893
Full Service Brick and Mortar
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