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

This bank is inactive as of April 19, 1996

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

  • General
  • FDIC Certificate #: 30214
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Waypoint Bank (#30174)
    Federal Reserve ID: 1002074
    Date Established: January 01, 1917
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4965
    FDIC's unique #: 43048
    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: March 20, 1943
    Last Structure Change Effective Date: April 19, 1996
    Last Structure Change Process Date: May 15, 1996
    Last Data Update: May 15, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 234 North 2nd St, Harrisburg, PA 17108
    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: $291.3 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)
  • $156Total assets
  • $302,845Cash and due from depository institutions
  • $6,854Interest-bearing balances
  • $3,331Securities
  • $57,930Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $227,600Loan loss allowance
  • $1,004Trading account assets
  • $0Bank premises and fixed assets
  • $2,020Other real estate owned
  • $57Goodwill and other intangibles
  • $8,192Life insurance assets
  • $192All other assets
  • $0Total liabilities and capital
  • $302,845Total liabilities
  • $279,389Total deposits
  • $178,704Interest-bearing deposits
  • $172,960Deposits held in domestic offices
  • 178704.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $96,566Subordinated debt
  • $0All other liabilities
  • $4,119Total equity capital
  • $4,119Total bank equity capital
  • $23,456Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $6,756Undivided profits
  • Memoranda
  • $16,699Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,644Income earned, not collected on loans
  • $1,156Earning assets
  • $288,861Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $293,009Average Assets, quarterly
  • $305,302Volatile liabilities
  • $115,495Insider loans
  • $184FHLB advances
  • $96,566Loans and leases held for sale
  • $0Unused loan commitments
  • $26,946Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $22,983Total risk weighted assets
  • $197,083Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $22,274Total interest expense
  • $13,486Net interest income
  • $8,788Provision for loan and lease losses
  • $115Total noninterest income
  • $1,766Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $1,766Total noninterest expense
  • $7,992Salaries and employee benefits
  • $3,977Premises and equipment expense
  • $1,649Additional noninterest expense
  • $2,366Pre-tax net operating income
  • $2,447Securities gains (losses)
  • $1,895Applicable income taxes
  • $1,607Income before extraordinary items
  • $2,735Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,735Net charge-offs
  • $208Cash dividends
  • $2,500Sale, 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
  • 8.01%Cost of funding earning assets
  • 4.85%Net interest margin
  • 3.16%Noninterest income to earning assets
  • 0.64%Noninterest expense to earning assets
  • 2.87%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 1.48%Return on equity (ROE)
  • 12.23%Retained earnings to average equity (YTD only)
  • 1.05%Net charge-offs to loans
  • 0.10%Credit loss provision to net charge-offs
  • 55.29%Efficiency ratio
  • 75,725Assets per employee
  • 1.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.41%Loss allowance to loans
  • 0.44%Loss allowance to noncurrent loans
  • 37.97%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 1.16%Net loans and leases to deposits
  • 127.36%Net loans and leases to core deposits
  • 142.45%Equity capital to assets
  • 7.75%Core capital (leverage) ratio
  • 7.61%Tier 1 risk-based capital ratio
  • 11.66%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $293,009Average earning assets
  • $22,362Average equity
  • $278,094Average loans

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