Highland Falls Federal Savings and Loan Association in Highland Falls, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Highland Falls Federal Savings and Loan Association in Highland Falls, New York (NY)
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Highland Falls Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28417
    Status: Active
    Federal Reserve ID: 286671
    Date Established: January 01, 1926
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 1555
    FDIC's unique #: 41251
    Numeric code: 38
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: November 30, 1934
    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: 252 Main Street, Highland Falls, NY 10928
    County: Orange
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: New York City
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Newburgh, NY-PA (#5660)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): Poughkeepsie-Newburgh-Middletown, NY (#39100)
    CBSA Metro Statistical Area: Poughkeepsie-Newburgh-Middletown, NY (#39100)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $40.0 mil
    Equity capital: $6.0 mil
    Deposits held in domestic offices: $33.3 mil
    Return on assets (ROA): -0.39% (-$0.2 mil)
    Quarterly return on assets: -0.70% (-$0.3 mil)
    Return on Equity (ROE): -2.54% (-$0.2 mil)
    Quarterly return on equity: -4.65% (-$0.3 mil)
    Net income: -$0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.37% (-$147.9 mil)
    Quarterly Pretax return on assets: -0.68% (-$271.9 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
  • 6Total employees (full-time equivalent)
  • $39,982Total assets
  • $14,112Cash and due from depository institutions
  • $7,638Interest-bearing balances
  • $5,587Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $18,366Net loans & leases
  • $215Loan loss allowance
  • $0Trading account assets
  • $302Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $39,982Life insurance assets
  • $1,615All other assets
  • $33,944Total liabilities and capital
  • $33,324Total liabilities
  • $31,545Total deposits
  • $33,324Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $620Subordinated debt
  • $6,038All other liabilities
  • $6,038Total equity capital
  • $6,038Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,038Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,124Income earned, not collected on loans
  • $0Earning assets
  • $89Long-term assets (5+ years)
  • $31,591Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $40,139Volatile liabilities
  • $40,604Insider loans
  • $18,860FHLB advances
  • $39,982Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,038Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $32Restructured Loans and leases
  • $333Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,333Total interest income
  • $415Total interest expense
  • $918Net interest income
  • $0Provision for loan and lease losses
  • $17Total noninterest income
  • $0Fiduciary activities
  • $8Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9Additional noninterest income
  • $1,085Total noninterest expense
  • $650Salaries and employee benefits
  • $258Premises and equipment expense
  • $177Additional noninterest expense
  • -$150Pre-tax net operating income
  • $0Securities gains (losses)
  • $7Applicable income taxes
  • -$157Income before extraordinary items
  • $0Extraordinary gains - net
  • -$157Net income attributable to bank
  • $0Net charge-offs
  • -$157Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.88%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 2.67%Net interest margin
  • 0.05%Noninterest income to earning assets
  • 3.16%Noninterest expense to earning assets
  • -0.39%Net operating income to assets
  • -0.39%Return on assets (ROA)
  • -0.37%Pretax return on assets
  • -2.54%Return on equity (ROE)
  • -2.54%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 116,043Assets per employee
  • 6.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 19.13%Noncurrent assets plus other real estate owned to assets
  • 2.81%Noncurrent loans to loans
  • 6.05%Net loans and leases to deposits
  • 55.11%Net loans and leases to core deposits
  • 59.17%Equity capital to assets
  • 15.10%Core capital (leverage) ratio
  • 15.10%Tier 1 risk-based capital ratio
  • 32.01%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $40,139Average earning assets
  • $6,189Average equity
  • $34,372Average loans

List of branches

  • 1 New York Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041251Highland Falls Federal Savings And L252 Main Street, Highland Falls, NY 10928January 01, 1926Full Service Brick and Mortar

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