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
No
ID
Name
Address
Established
Service Type
Map
0
38487
United-American Savings Bank
1812 East Carson Street, Pittsburgh, PA 15203
January 01, 1954
Full Service Brick and Mortar
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