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

This bank is inactive as of October 30, 2000

  • York Federal Savings and Loan Association in York, Pennsylvania (PA)
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York Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 30821
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Waypoint Bank (#30174)
    Federal Reserve ID: 440576
    Date Established: November 17, 1955
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 5970
    FDIC's unique #: 43655
    Numeric code: 37
    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: November 17, 1955
    Last Structure Change Effective Date: October 30, 2000
    Last Structure Change Process Date: December 05, 2000
    Last Data Update: December 05, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South George Street, York, PA 17401
    County: York
    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): York, PA (#9280)
    Combined Statistical Area (CSA): York-Hanover-Gettysburg, PA (#564)
    Core Based Statistical Area (CBSA): York-Hanover, PA (#49620)
    CBSA Metro Statistical Area: York-Hanover, PA (#49620)
  • Financial Summary
  • Total assets: $1,698.3 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 405Total employees (full-time equivalent)
  • $1,642,623Total assets
  • $32,446Cash and due from depository institutions
  • $4,343Interest-bearing balances
  • $369,646Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,174,948Net loans & leases
  • $11,033Loan loss allowance
  • $0Trading account assets
  • $5,236Bank premises and fixed assets
  • $5,198Other real estate owned
  • $4,299Goodwill and other intangibles
  • $0Life insurance assets
  • $50,850All other assets
  • $1,642,623Total liabilities and capital
  • $1,530,017Total liabilities
  • $1,121,300Total deposits
  • $1,083,105Interest-bearing deposits
  • $1,121,300Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,261Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $398,627Other borrowed funds
  • $0Subordinated debt
  • $5,829All other liabilities
  • $112,606Total equity capital
  • $112,606Total bank equity capital
  • $112,606Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $28,730Undivided profits
  • Memoranda
  • $83,876Noncurrent loans and leases
  • $207,383Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $8,736Earning assets
  • $0Long-term assets (5+ years)
  • $6,561Average Assets, year-to-date
  • $1,548,937Average Assets, quarterly
  • $0Volatile liabilities
  • $1,414,191Insider loans
  • $1,590,744FHLB advances
  • $580,410Loans and leases held for sale
  • $7,486Unused loan commitments
  • $398,596Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $206,183Total unused commitments
  • $9,473Restructured Loans and leases
  • $11,033Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $94,677Total interest income
  • $58,214Total interest expense
  • $36,463Net interest income
  • $2,925Provision for loan and lease losses
  • $8,417Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,411Trading account gains & fees
  • $7,006Additional noninterest income
  • $28,804Total noninterest expense
  • $15,052Salaries and employee benefits
  • $6,395Premises and equipment expense
  • $7,357Additional noninterest expense
  • $13,151Pre-tax net operating income
  • $105Securities gains (losses)
  • $3,677Applicable income taxes
  • $9,579Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,579Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,761Sale, conversion, retirement of capital stock, net
  • $5,245Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.10%Yield on earning assets
  • 4.36%Cost of funding earning assets
  • 2.73%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.16%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 9.66%Return on equity (ROE)
  • 4.37%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 166.10%Credit loss provision to net charge-offs
  • 9.13%Efficiency ratio
  • 64,180Assets per employee
  • 4.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.76%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 126.29%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 0.74%Net loans and leases to deposits
  • 104.78%Net loans and leases to core deposits
  • 124.49%Equity capital to assets
  • 6.86%Core capital (leverage) ratio
  • 7.21%Tier 1 risk-based capital ratio
  • 12.14%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,414,191Average earning assets
  • $99,191Average equity
  • $1,333,703Average loans

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