Waypoint Bank in Harrisburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 11, 2005

  • Waypoint Bank in Harrisburg, Pennsylvania (PA)
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Waypoint Bank - Overview

  • General
  • FDIC Certificate #: 30174
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sovereign Bank, National Association (#29950)
    Federal Reserve ID: 997379
    Date Established: January 01, 1886
    WWW: http://www.waypointbank.com
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 17283
    FDIC's unique #: 43008
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: September 06, 1962
    Last Structure Change Effective Date: Febuary 11, 2005
    Last Structure Change Process Date: March 03, 2005
    Last Data Update: March 03, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: Second And Pine Streets, Harrisburg, PA 17105
    County: Dauphin
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Harrisburg-Lebanon-Carlisle, PA (#3240)
    Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
    Core Based Statistical Area (CBSA): Harrisburg-Carlisle, PA (#25420)
    CBSA Metro Statistical Area: Harrisburg-Carlisle, PA (#25420)
  • Financial Summary
  • Total assets: $5,001.6 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, 2004)

  • Dollar figures in thousands
  • 869Total employees (full-time equivalent)
  • $5,001,557Total assets
  • $225,942Cash and due from depository institutions
  • $175,774Interest-bearing balances
  • $1,895,130Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $2,604,523Net loans & leases
  • $29,369Loan loss allowance
  • $4,363Trading account assets
  • $34,378Bank premises and fixed assets
  • $27Other real estate owned
  • $14,845Goodwill and other intangibles
  • $90,077Life insurance assets
  • $222,349All other assets
  • $5,001,557Total liabilities and capital
  • $4,586,912Total liabilities
  • $2,884,668Total deposits
  • $2,688,157Interest-bearing deposits
  • $2,884,668Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $150,219Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,520,332Other borrowed funds
  • $0Subordinated debt
  • $31,693All other liabilities
  • $414,645Total equity capital
  • $414,645Total bank equity capital
  • $414,645Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $164,872Undivided profits
  • Memoranda
  • $249,573Noncurrent loans and leases
  • $802,690Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $15,565Earning assets
  • $0Long-term assets (5+ years)
  • $22,599Average Assets, year-to-date
  • $4,679,790Average Assets, quarterly
  • $0Volatile liabilities
  • $5,274,836Insider loans
  • $5,160,740FHLB advances
  • $2,434,583Loans and leases held for sale
  • $15,828Unused loan commitments
  • $1,449,832Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $802,690Total unused commitments
  • $0Restructured Loans and leases
  • $29,369Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $242,396Total interest income
  • $131,209Total interest expense
  • $111,187Net interest income
  • $4,666Provision for loan and lease losses
  • $24,057Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24,057Additional noninterest income
  • $89,568Total noninterest expense
  • $45,328Salaries and employee benefits
  • $14,706Premises and equipment expense
  • $29,534Additional noninterest expense
  • $41,010Pre-tax net operating income
  • -$1,534Securities gains (losses)
  • $10,459Applicable income taxes
  • $29,017Income before extraordinary items
  • $0Extraordinary gains - net
  • $29,017Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3,728Sale, conversion, retirement of capital stock, net
  • $40,126Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 2.66%Cost of funding earning assets
  • 2.25%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 1.82%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 7.10%Return on equity (ROE)
  • -2.72%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 125.16%Credit loss provision to net charge-offs
  • 12.25%Efficiency ratio
  • 65,831Assets per employee
  • 5.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 138.28%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 188.69%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 90.29%Net loans and leases to core deposits
  • 122.82%Equity capital to assets
  • 8.29%Core capital (leverage) ratio
  • 8.06%Tier 1 risk-based capital ratio
  • 11.66%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $5,274,836Average earning assets
  • $408,921Average equity
  • $4,933,247Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $253,751Managed Assets
  • 1Number of Accounts
  • $131,435Personal trust and agency accounts
  • $16,179Employee benefit-defined contribution accounts
  • $11,139Employee benefit-defined benefit accounts
  • $14,911Other retirement accounts
  • $11,028Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $78,178Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 238Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $122,316Other retirement accounts
  • $0Corporate trust and agency accounts
  • $101,803Other fiduciary accounts
  • $20,513Fiduciary accounts held in foreign offices

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