Alpha Indian Rock Federal Savings and Loan Association in Philadelphia, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 09, 1993

  • Alpha Indian Rock Federal Savings and Loan Association in Philadelphia, Pennsylvania (PA)
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Alpha Indian Rock Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 33562
    Status: Inactive
    Closing history: Conservatorship Institution Resolved
    Acquiring institution: Roxborough-Manayunk Bank (#28342)
    Federal Reserve ID: 780375
    Date Established: Febuary 28, 1992
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 9698
    FDIC's unique #: 47444
    Numeric code: 38
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: Febuary 28, 1992
    Last Structure Change Effective Date: July 09, 1993
    Last Structure Change Process Date: July 19, 1993
    Last Data Update: August 25, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 4370 Main Street, Philadelphia, PA 19127
    County: Philadelphia
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • History of Changes
  • Pass Through Receivership Merger
    Corrections
    Conservatorship Institution Resolved
  • Financial Summary
  • Total assets: $3.8 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $4Total assets
  • $4,498Cash and due from depository institutions
  • $148Interest-bearing balances
  • $107Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $3,726Loan loss allowance
  • $391Trading account assets
  • $0Bank premises and fixed assets
  • $178Other real estate owned
  • $98Goodwill and other intangibles
  • $348Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $4,498Total liabilities
  • $6,556Total deposits
  • $4,180Interest-bearing deposits
  • $4,180Deposits held in domestic offices
  • 4180.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,200Subordinated debt
  • $0All other liabilities
  • $176Total equity capital
  • $176Total bank equity capital
  • $-2,058Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $-2,058Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $975Income earned, not collected on loans
  • $31Earning assets
  • $3,833Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $5,682Average Assets, quarterly
  • $4,891Volatile liabilities
  • $2,200Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $-2,058Total risk weighted assets
  • $3,059Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $449Total interest expense
  • $792Net interest income
  • -$343Provision for loan and lease losses
  • $291Total noninterest income
  • $174Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $174Total noninterest expense
  • $831Salaries and employee benefits
  • $366Premises and equipment expense
  • $129Additional noninterest expense
  • $336Pre-tax net operating income
  • -$1,291Securities gains (losses)
  • $0Applicable income taxes
  • $0Income before extraordinary items
  • -$1,291Extraordinary gains - net
  • $0Net income attributable to bank
  • -$1,291Net charge-offs
  • $490Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.18%Cost of funding earning assets
  • 16.20%Net interest margin
  • -7.02%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • 17.00%Net operating income to assets
  • -22.72%Return on assets (ROA)
  • -22.72%Pretax return on assets
  • -22.72%Return on equity (ROE)
  • 81.03%Retained earnings to average equity (YTD only)
  • 81.03%Net charge-offs to loans
  • 10.33%Credit loss provision to net charge-offs
  • 59.39%Efficiency ratio
  • -491,716Assets per employee
  • 1.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 9.50%Loss allowance to noncurrent loans
  • 40.10%Noncurrent assets plus other real estate owned to assets
  • 23.86%Noncurrent loans to loans
  • 23.68%Net loans and leases to deposits
  • 89.14%Net loans and leases to core deposits
  • 89.14%Equity capital to assets
  • -45.75%Core capital (leverage) ratio
  • -45.75%Tier 1 risk-based capital ratio
  • -67.28%Total risk-based capital ratio
  • Memoranda
  • -$67Average assets
  • $5,682Average earning assets
  • -$1,593Average equity
  • $4,889Average loans

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