Union Building and Loan Savings Bank in West Bridgewater, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Union Building and Loan Savings Bank in West Bridgewater, Pennsylvania (PA)
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Union Building and Loan Savings Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    042801Union Building And Loan Savings Bank303 Leopard Lane, West Bridgewater, PA 15009January 01, 1893Full Service Brick and Mortar

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