FDIC Certificate #: 35034 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Beneficial Mutual Savings Bank (#15697) Federal Reserve ID: 822873 Date Established: January 01, 1910 Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 73858 Numeric code: 42 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes FDIC Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: October 01, 1998 Last Structure Change Effective Date: November 10, 2005 Last Structure Change Process Date: December 07, 2005 Last Data Update: December 07, 2005 Data Source Date: April 05, 2012
Location
Address: 1500 East Susquehanna Avenue, Philadelphia, PA 19125 County: Philadelphia 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: $9.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
3Total employees (full-time equivalent)
$9,418Total assets
$326Cash and due from depository institutions
$225Interest-bearing balances
$2,785Securities
$403Federal funds sold & reverse repurchase agreements
$5,594Net loans & leases
$29Loan loss allowance
$0Trading account assets
$178Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$132All other assets
$9,418Total liabilities and capital
$8,478Total liabilities
$8,451Total deposits
$8,355Interest-bearing deposits
$8,451Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$27All other liabilities
$940Total equity capital
$940Total bank equity capital
$940Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$940Noncurrent loans and leases
$387Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$64Earning assets
$0Long-term assets (5+ years)
$72Average Assets, year-to-date
$9,007Average Assets, quarterly
$5,113Volatile liabilities
$9,234Insider loans
$9,404FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$387Total unused commitments
$0Restructured Loans and leases
$29Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$605Total interest income
$227Total interest expense
$378Net interest income
$0Provision for loan and lease losses
$3Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$3Additional noninterest income
$294Total noninterest expense
$189Salaries and employee benefits
$24Premises and equipment expense
$81Additional noninterest expense
$87Pre-tax net operating income
$0Securities gains (losses)
$25Applicable income taxes
$62Income before extraordinary items
$0Extraordinary gains - net
$62Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.86%Yield on earning assets
2.58%Cost of funding earning assets
4.29%Net interest margin
0.03%Noninterest income to earning assets
3.34%Noninterest expense to earning assets
0.67%Net operating income to assets
0.67%Return on assets (ROA)
0.94%Pretax return on assets
6.61%Return on equity (ROE)
6.61%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
77,165Assets per employee
3.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.52%Loss allowance to noncurrent loans
45.31%Noncurrent assets plus other real estate owned to assets
0.68%Noncurrent loans to loans
1.14%Net loans and leases to deposits
66.19%Net loans and leases to core deposits
66.19%Equity capital to assets
9.98%Core capital (leverage) ratio
10.19%Tier 1 risk-based capital ratio
19.52%Total risk-based capital ratio
Memoranda
$20Average assets
$9,234Average earning assets
$937Average equity
$8,813Average loans
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