Keystone Savings and Loan Association in Philadelphia, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 27, 1996

  • Keystone Savings and Loan Association in Philadelphia, Pennsylvania (PA)
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Keystone Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28545
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: St. Edmond's Federal Savings Bank (#28916)
    Federal Reserve ID: 318273
    Date Established: January 01, 1913
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 1810
    FDIC's unique #: 41379
    Numeric code: 36
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 06, 1936
    Last Structure Change Effective Date: December 27, 1996
    Last Structure Change Process Date: January 10, 1997
    Last Data Update: January 10, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 208 West Chelten Avenue, Philadelphia, PA 19144
    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)
  • Financial Summary
  • Total assets: $15.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $8Total assets
  • $9,508Cash and due from depository institutions
  • $2,009Interest-bearing balances
  • $1,708Securities
  • $17Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $6,929Loan loss allowance
  • $94Trading account assets
  • $0Bank premises and fixed assets
  • $297Other real estate owned
  • $45Goodwill and other intangibles
  • $211Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $9,508Total liabilities
  • $8,798Total deposits
  • $7,251Interest-bearing deposits
  • $6,905Deposits held in domestic offices
  • 7251.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,381Subordinated debt
  • $0All other liabilities
  • $166Total equity capital
  • $166Total bank equity capital
  • $710Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $710Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18Income earned, not collected on loans
  • $71Earning assets
  • $8,654Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $7,624Average Assets, quarterly
  • $8,346Volatile liabilities
  • $2,497Insider loans
  • $310FHLB advances
  • $1,381Loans and leases held for sale
  • $0Unused loan commitments
  • $649Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $710Total risk weighted assets
  • $5,796Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $671Total interest expense
  • $275Net interest income
  • $396Provision for loan and lease losses
  • $14Total noninterest income
  • $43Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $43Total noninterest expense
  • $576Salaries and employee benefits
  • $237Premises and equipment expense
  • $180Additional noninterest expense
  • $159Pre-tax net operating income
  • -$151Securities gains (losses)
  • $0Applicable income taxes
  • -$15Income before extraordinary items
  • -$136Extraordinary gains - net
  • $0Net income attributable to bank
  • -$136Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.50%Cost of funding earning assets
  • 3.89%Net interest margin
  • 5.61%Noninterest income to earning assets
  • 0.61%Noninterest expense to earning assets
  • 8.15%Net operating income to assets
  • -1.78%Return on assets (ROA)
  • -1.78%Pretax return on assets
  • -1.98%Return on equity (ROE)
  • -16.49%Retained earnings to average equity (YTD only)
  • -16.49%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 131,207Assets per employee
  • 1.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 522.22%Noncurrent assets plus other real estate owned to assets
  • 0.66%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 95.56%Net loans and leases to core deposits
  • 112.94%Equity capital to assets
  • 7.47%Core capital (leverage) ratio
  • 7.47%Tier 1 risk-based capital ratio
  • 12.25%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $7,624Average earning assets
  • $825Average equity
  • $7,063Average loans

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