Home Savings of America, FSB-NY in New York City, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 26, 1993

  • Home Savings of America, FSB-NY in New York City, New York (NY)
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Home Savings of America, FSB-NY - Overview

  • General
  • FDIC Certificate #: 16016
    Status: Inactive
    Closing history: Name Change
    Acquiring institution: Home Savings of America, FSB (#15919)
    Federal Reserve ID: 691604
    Date Established: January 01, 1905
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7973
    FDIC's unique #: 10246
    Numeric code: 43
    Regulator: OTS
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: July 01, 1943
    Last Structure Change Effective Date: Febuary 26, 1993
    Last Structure Change Process Date: April 27, 1993
    Last Data Update: July 13, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 315 Wyckoff Avenue, New York City, NY 11237
    County: Kings
    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): New York, NY (#5600)
    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): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
  • History of Changes
  • Merger - Without Assistance
    Corrections
    Name Change
  • Financial Summary
  • Total assets: $1,459.6 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $154Total assets
  • $1,459,617Cash and due from depository institutions
  • $40,235Interest-bearing balances
  • $64Securities
  • $308,769Federal funds sold & reverse repurchase agreements
  • $261,000Net loans & leases
  • $714,797Loan loss allowance
  • $17,293Trading account assets
  • $0Bank premises and fixed assets
  • $10,852Other real estate owned
  • $72,192Goodwill and other intangibles
  • $48,194Life insurance assets
  • $3,578All other assets
  • $0Total liabilities and capital
  • $1,459,617Total liabilities
  • $1,257,411Total deposits
  • $1,141,265Interest-bearing deposits
  • $1,106,819Deposits held in domestic offices
  • 1141265.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $38,512Subordinated debt
  • $15,000All other liabilities
  • $62,634Total equity capital
  • $62,634Total bank equity capital
  • $202,206Perpetual preferred stock
  • $0Common stock
  • $11,994Surplus
  • $106,574Undivided profits
  • Memoranda
  • $83,638Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $55,905Income earned, not collected on loans
  • $4,958Earning assets
  • $1,284,630Long-term assets (5+ years)
  • $287,937Average Assets, year-to-date
  • $1,434,062Average Assets, quarterly
  • $1,433,334Volatile liabilities
  • $62,703Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $24,070Unused loan commitments
  • $1,083Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $198,628Total risk weighted assets
  • $766,233Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $92,609Total interest expense
  • $54,659Net interest income
  • $37,950Provision for loan and lease losses
  • $30,279Total noninterest income
  • $8,138Fiduciary activities
  • $0Service charges on deposit accounts
  • $690Trading account gains & fees
  • $0Additional noninterest income
  • $7,448Total noninterest expense
  • $29,376Salaries and employee benefits
  • $4,369Premises and equipment expense
  • $4,048Additional noninterest expense
  • $20,959Pre-tax net operating income
  • -$13,567Securities gains (losses)
  • $970Applicable income taxes
  • -$4,595Income before extraordinary items
  • -$8,002Extraordinary gains - net
  • $0Net income attributable to bank
  • -$8,002Net charge-offs
  • $22,635Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.20%Cost of funding earning assets
  • 4.25%Net interest margin
  • 2.95%Noninterest income to earning assets
  • 0.63%Noninterest expense to earning assets
  • 2.28%Net operating income to assets
  • -0.60%Return on assets (ROA)
  • -0.56%Pretax return on assets
  • -0.88%Return on equity (ROE)
  • -3.89%Retained earnings to average equity (YTD only)
  • -3.89%Net charge-offs to loans
  • 3.55%Credit loss provision to net charge-offs
  • 133.77%Efficiency ratio
  • 60,658Assets per employee
  • 9.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.36%Loss allowance to noncurrent loans
  • 30.93%Noncurrent assets plus other real estate owned to assets
  • 8.78%Noncurrent loans to loans
  • 7.64%Net loans and leases to deposits
  • 62.63%Net loans and leases to core deposits
  • 64.04%Equity capital to assets
  • 13.85%Core capital (leverage) ratio
  • 13.96%Tier 1 risk-based capital ratio
  • 25.92%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $1,434,062Average earning assets
  • $205,867Average equity
  • $1,286,519Average loans

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