Germantown Savings Bank in Bala Cynwyd, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 02, 1994

  • Germantown Savings Bank in Bala Cynwyd, Pennsylvania (PA)
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Germantown Savings Bank - Overview

  • General
  • FDIC Certificate #: 15758
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Corestates Bank, National Association (#719)
    Federal Reserve ID: 894517
    Date Established: April 06, 1854
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 32 (Interstate: No)
    FDIC's unique #: 10006
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 22, 1940
    Last Structure Change Effective Date: December 02, 1994
    Last Structure Change Process Date: December 12, 1994
    Last Data Update: December 12, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: One Belmont Avenue, Bala Cynwyd, PA 19004
    County: Montgomery
    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: $1,564.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $526Total assets
  • $1,636,618Cash and due from depository institutions
  • $28,056Interest-bearing balances
  • $168Securities
  • $547,514Federal funds sold & reverse repurchase agreements
  • $13,000Net loans & leases
  • $1,020,435Loan loss allowance
  • $23,043Trading account assets
  • $0Bank premises and fixed assets
  • $7,464Other real estate owned
  • $1,078Goodwill and other intangibles
  • $17,775Life insurance assets
  • $1,296All other assets
  • $0Total liabilities and capital
  • $1,636,618Total liabilities
  • $1,494,627Total deposits
  • $1,483,683Interest-bearing deposits
  • $1,433,932Deposits held in domestic offices
  • 1483683.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $10,944Total equity capital
  • $10,944Total bank equity capital
  • $141,991Perpetual preferred stock
  • $0Common stock
  • $419Surplus
  • $38,481Undivided profits
  • Memoranda
  • $103,091Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,582Income earned, not collected on loans
  • $5,196Earning assets
  • $1,581,117Long-term assets (5+ years)
  • $945,519Average Assets, year-to-date
  • $1,597,193Average Assets, quarterly
  • $1,628,877Volatile liabilities
  • $37,318Insider loans
  • $7FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $86,136Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $139,607Total risk weighted assets
  • $866,014Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $112,168Total interest expense
  • $47,873Net interest income
  • $64,295Provision for loan and lease losses
  • $1,900Total noninterest income
  • $5,358Fiduciary activities
  • $0Service charges on deposit accounts
  • $3,555Trading account gains & fees
  • $0Additional noninterest income
  • $1,803Total noninterest expense
  • $37,972Salaries and employee benefits
  • $20,317Premises and equipment expense
  • $6,339Additional noninterest expense
  • $11,316Pre-tax net operating income
  • $29,781Securities gains (losses)
  • $1,179Applicable income taxes
  • $10,462Income before extraordinary items
  • $20,498Extraordinary gains - net
  • $0Net income attributable to bank
  • $20,498Net charge-offs
  • -$2,288Cash dividends
  • $1,655Sale, conversion, retirement of capital stock, net
  • $1,690Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.27%Cost of funding earning assets
  • 3.10%Net interest margin
  • 4.17%Noninterest income to earning assets
  • 0.35%Noninterest expense to earning assets
  • 2.46%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.28%Pretax return on assets
  • 1.94%Return on equity (ROE)
  • 15.74%Retained earnings to average equity (YTD only)
  • 14.47%Net charge-offs to loans
  • -0.22%Credit loss provision to net charge-offs
  • -83.04%Efficiency ratio
  • 53,370Assets per employee
  • 3.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.07%Loss allowance to loans
  • 2.21%Loss allowance to noncurrent loans
  • 892.45%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 68.78%Net loans and leases to core deposits
  • 70.55%Equity capital to assets
  • 8.68%Core capital (leverage) ratio
  • 8.59%Tier 1 risk-based capital ratio
  • 16.12%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $1,597,193Average earning assets
  • $130,190Average equity
  • $1,543,185Average loans

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