St. Edmond's Federal Savings Bank in city_name, state_name - Detailed Financial Reports, Location

St. Edmond's Federal Savings Bank in Philadelphia, Pennsylvania (PA), NJ
Show street view No street view available for this location

St. Edmond's Federal Savings Bank - Overview

General
FDIC Certificate #: 28916
Status: Active
Federal Reserve ID: 53873
Date Established: January 01, 1912
WWW: http://www.stedmondsfsb.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 6 (Domestic: 6, Interstate: Yes)
OTS Docket #: 2612
FDIC's unique #: 41750
Numeric code: 33
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: April 19, 1951
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: 1901 E Passyunk Avenue, Philadelphia, PA 19148
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 Primary Regulatory Agency
Financial Summary
Total assets: $307.2 mil
Equity capital: $25.6 mil
Deposits held in domestic offices: $273.7 mil
Return on assets (ROA): 0.23% ($0.7 mil)
Quarterly return on assets: 0.25% ($0.8 mil)
Return on Equity (ROE): 2.90% ($0.8 mil)
Quarterly return on equity: 2.98% ($0.8 mil)
Net income: $0.7 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.29% ($891.0 mil)
Quarterly Pretax return on assets: 0.33% ($1,013.9 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
46Total employees (full-time equivalent)
$307,244Total assets
$31,262Cash and due from depository institutions
$30,674Interest-bearing balances
$72,807Securities
$0Federal funds sold & reverse repurchase agreements
$184,952Net loans & leases
$1,564Loan loss allowance
$0Trading account assets
$5,167Bank premises and fixed assets
$2,803Other real estate owned
$0Goodwill and other intangibles
$307,244Life insurance assets
$10,253All other assets
$281,685Total liabilities and capital
$273,699Total liabilities
$262,647Total deposits
$273,699Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,444Trading liabilities
$0Other borrowed funds
$542Subordinated debt
$25,559All other liabilities
$25,559Total equity capital
$25,559Total bank equity capital
$0Perpetual preferred stock
$10Common stock
$14,644Surplus
$10,905Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,895Income earned, not collected on loans
$0Earning assets
$921Long-term assets (5+ years)
$288,433Average Assets, year-to-date
$0Average Assets, quarterly
$307,654Volatile liabilities
$305,669Insider loans
$150,346FHLB advances
$306,814Loans and leases held for sale
$3,780Unused loan commitments
$0Tier 1 (core) risk-based capital
$25,275Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,191Restructured Loans and leases
$115Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,770Total interest income
$3,360Total interest expense
$9,410Net interest income
$1,480Provision for loan and lease losses
$612Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$612Additional noninterest income
$7,739Total noninterest expense
$3,427Salaries and employee benefits
$1,403Premises and equipment expense
$2,909Additional noninterest expense
$803Pre-tax net operating income
$94Securities gains (losses)
$193Applicable income taxes
$704Income before extraordinary items
$0Extraordinary gains - net
$704Net income attributable to bank
$0Net charge-offs
$704Cash dividends
$1,683Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.44%Yield on earning assets
1.17%Cost of funding earning assets
3.27%Net interest margin
0.21%Noninterest income to earning assets
2.69%Noninterest expense to earning assets
0.20%Net operating income to assets
0.23%Return on assets (ROA)
0.29%Pretax return on assets
2.90%Return on equity (ROE)
2.90%Retained earnings to average equity (YTD only)
0.87%Net charge-offs to loans
87.94%Credit loss provision to net charge-offs
1.36%Efficiency ratio
77,220Assets per employee
6.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.84%Loss allowance to noncurrent loans
31.95%Noncurrent assets plus other real estate owned to assets
2.51%Noncurrent loans to loans
2.62%Net loans and leases to deposits
67.57%Net loans and leases to core deposits
68.31%Equity capital to assets
8.32%Core capital (leverage) ratio
8.24%Tier 1 risk-based capital ratio
16.81%Total risk-based capital ratio
Memoranda
$18Average assets
$307,654Average earning assets
$24,243Average equity
$287,766Average loans

List of branches

2 New Jersey Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
5	271570	Ganttown Road Branch	438 Ganttown Road, Sewell, NJ 8080	September 01, 1997	Full Service Brick and Mortar
9	495115	Hurffville Road Branch	1893 Hurffville Road, Sewell, NJ 8080	December 08, 2006	Full Service Brick and Mortar

4 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	41750	St. Edmond's Federal Savings Bank	1901 E Passyunk Avenue, Philadelphia, PA 19148	January 01, 1912	Full Service Brick and Mortar
6	451782	Ardmore Branch	20 Woodside Road, Ardmore, PA 19003	Febuary 06, 2005	Full Service Brick and Mortar
7	451783	Ridge Avenue Branch	5873 Ridge Avenue, Philadelphia, PA 19128	December 17, 2005	Full Service Brick and Mortar
8	491907	Drexel Hill Branch	1270 Township Line Road, Drexel Hill, PA 19026	April 02, 2008	Full Service Brick and Mortar

St. Edmond's Federal Savings Bank in Philadelphia, Pennsylvania (PA), NJ
Overview, Financial Summary, Detailed Financial Reports, Branches

St. Edmond's Federal Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

St. Edmond's Federal Savings Bank in Philadelphia, Pennsylvania (PA), NJOverview, Financial Summary, Detailed Financial Reports, Branches

St. Edmond's Federal Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

St. Edmond's Federal Savings Bank in Philadelphia, Pennsylvania (PA), NJ
Overview, Financial Summary, Detailed Financial Reports, Branches