United-American Savings Bank in Pittsburgh, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


United-American Savings Bank - Overview

  • General
  • FDIC Certificate #: 27033
    Status: Active
    Federal Reserve ID: 218775
    Date Established: January 01, 1954
    WWW: http://www.uasb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 10483
    FDIC's unique #: 38487
    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: July 30, 1987
    Last Structure Change Effective Date: July 07, 2010
    Last Structure Change Process Date: August 03, 2010
    Last Data Update: August 03, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1812 East Carson Street, Pittsburgh, PA 15203
    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)
  • Financial Summary
  • Total assets: $70.8 mil
    Equity capital: $6.4 mil
    Deposits held in domestic offices: $59.7 mil
    Return on assets (ROA): 0.56% ($0.4 mil)
    Quarterly return on assets: 0.40% ($0.3 mil)
    Return on Equity (ROE): 6.01% ($0.4 mil)
    Quarterly return on equity: 4.35% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.87% ($615.8 mil)
    Quarterly Pretax return on assets: 0.57% ($403.5 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
  • 12Total employees (full-time equivalent)
  • $70,783Total assets
  • $3,532Cash and due from depository institutions
  • $2,498Interest-bearing balances
  • $13,386Securities
  • $317Federal funds sold & reverse repurchase agreements
  • $51,129Net loans & leases
  • $332Loan loss allowance
  • $0Trading account assets
  • $1,372Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $70,783Life insurance assets
  • $1,047All other assets
  • $64,396Total liabilities and capital
  • $59,670Total liabilities
  • $57,521Total deposits
  • $59,670Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,345Trading liabilities
  • $0Other borrowed funds
  • $381Subordinated debt
  • $6,387All other liabilities
  • $6,387Total equity capital
  • $6,387Total bank equity capital
  • $0Perpetual preferred stock
  • $3Common stock
  • $2,249Surplus
  • $4,135Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $773Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,386Income earned, not collected on loans
  • $0Earning assets
  • $273Long-term assets (5+ years)
  • $67,330Average Assets, year-to-date
  • $43,280Average Assets, quarterly
  • $65,704Volatile liabilities
  • $69,369Insider loans
  • $36,351FHLB advances
  • $69,063Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,248Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,929Restructured Loans and leases
  • $750Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,166Total interest income
  • $881Total interest expense
  • $2,285Net interest income
  • $102Provision for loan and lease losses
  • $73Total noninterest income
  • $0Fiduciary activities
  • $26Service charges on deposit accounts
  • $0Trading account gains & fees
  • $47Additional noninterest income
  • $1,690Total noninterest expense
  • $621Salaries and employee benefits
  • $248Premises and equipment expense
  • $821Additional noninterest expense
  • $566Pre-tax net operating income
  • $3Securities gains (losses)
  • $200Applicable income taxes
  • $369Income before extraordinary items
  • $0Extraordinary gains - net
  • $369Net income attributable to bank
  • $0Net charge-offs
  • $369Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $59Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.67%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 6.01%Return on equity (ROE)
  • 5.05%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,671Assets per employee
  • 5.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 15.99%Loss allowance to loans
  • 0.65%Loss allowance to noncurrent loans
  • 23.95%Noncurrent assets plus other real estate owned to assets
  • 1.96%Noncurrent loans to loans
  • 2.69%Net loans and leases to deposits
  • 85.69%Net loans and leases to core deposits
  • 88.14%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 9.05%Tier 1 risk-based capital ratio
  • 17.19%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $65,704Average earning assets
  • $6,137Average equity
  • $62,327Average loans

List of branches

  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    038487United-American Savings Bank1812 East Carson Street, Pittsburgh, PA 15203January 01, 1954Full Service Brick and Mortar

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