FDIC Certificate #: 58371 Status: Active Federal Reserve ID: 3517590 Date Established: November 20, 2006 WWW:http://www.hyperionbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 447993 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: 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: Commercial Lending Specialization Date of Deposit Insurance: November 20, 2006 Last Structure Change Effective Date: November 20, 2006 Last Structure Change Process Date: Febuary 20, 2007 Last Data Update: Febuary 20, 2007 Data Source Date: April 05, 2012
Location
Address: 199 West Girard Avenue, Philadelphia, PA 19123 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
Change in Location
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $95.6 mil Equity capital: $7.8 mil Deposits held in domestic offices: $85.4 mil Return on assets (ROA): -0.60% (-$0.6 mil) Quarterly return on assets: -1.79% (-$1.7 mil) Return on Equity (ROE): -7.27% (-$0.6 mil) Quarterly return on equity: -21.13% (-$1.7 mil) Net income: -$0.5 mil Quarterly Net income: -$0.4 mil Pretax return on assets: -0.60% (-$573.4 mil) Quarterly Pretax return on assets: -1.79% (-$1,710.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
35Total employees (full-time equivalent)
$95,573Total assets
$7,926Cash and due from depository institutions
$6,688Interest-bearing balances
$6,781Securities
$934Federal funds sold & reverse repurchase agreements
$74,041Net loans & leases
$1,209Loan loss allowance
$0Trading account assets
$2,527Bank premises and fixed assets
$645Other real estate owned
$0Goodwill and other intangibles
$95,573Life insurance assets
$2,719All other assets
$87,773Total liabilities and capital
$85,374Total liabilities
$80,425Total deposits
$85,374Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$399Subordinated debt
$7,800All other liabilities
$7,800Total equity capital
$7,800Total bank equity capital
$1,552Perpetual preferred stock
$1,577Common stock
$10,972Surplus
$-6,301Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,153Income earned, not collected on loans
$0Earning assets
$591Long-term assets (5+ years)
$88,444Average Assets, year-to-date
$23,844Average Assets, quarterly
$91,392Volatile liabilities
$94,479Insider loans
$73,368FHLB advances
$93,881Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,814Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,369Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,971Total interest income
$1,160Total interest expense
$3,811Net interest income
$262Provision for loan and lease losses
$619Total noninterest income
$0Fiduciary activities
$202Service charges on deposit accounts
$0Trading account gains & fees
$417Additional noninterest income
$4,785Total noninterest expense
$2,376Salaries and employee benefits
$302Premises and equipment expense
$2,107Additional noninterest expense
-$617Pre-tax net operating income
$69Securities gains (losses)
$0Applicable income taxes
-$548Income before extraordinary items
$0Extraordinary gains - net
-$548Net income attributable to bank
$0Net charge-offs
-$548Cash dividends
$41Sale, conversion, retirement of capital stock, net
$85Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.80%Yield on earning assets
1.35%Cost of funding earning assets
4.45%Net interest margin
0.72%Noninterest income to earning assets
5.58%Noninterest expense to earning assets
-0.68%Net operating income to assets
-0.60%Return on assets (ROA)
-0.60%Pretax return on assets
-7.27%Return on equity (ROE)
-8.40%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
639.02%Credit loss provision to net charge-offs
-8.66%Efficiency ratio
108,014Assets per employee
2.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
-15.51%Loss allowance to loans
1.61%Loss allowance to noncurrent loans
38.34%Noncurrent assets plus other real estate owned to assets
3.97%Noncurrent loans to loans
4.19%Net loans and leases to deposits
86.73%Net loans and leases to core deposits
97.43%Equity capital to assets
8.16%Core capital (leverage) ratio
8.32%Tier 1 risk-based capital ratio
10.65%Total risk-based capital ratio
Memoranda
$12Average assets
$91,392Average earning assets
$7,538Average equity
$85,713Average loans
List of branches
1 Pennsylvania Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
447993
Hyperion Bank
199 West Girard Avenue, Philadelphia, PA 19123
November 20, 2006
Full Service Brick and Mortar
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