St. Edmond's Federal Savings Bank in Philadelphia, Pennsylvania (PA), NJ
Overview, Financial Summary, Detailed Financial Reports, Branches

  • St. Edmond's Federal Savings Bank in Philadelphia, Pennsylvania (PA), NJ
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St. Edmond's Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 28916
    Status: Active
    Federal Reserve ID: 53873
    Date Established: January 01, 1912
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: Yes)
    OTS Docket #: 2612
    FDIC's unique #: 41750
    Numeric code: 33
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: April 19, 1951
    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: 1901 E Passyunk Avenue, Philadelphia, PA 19148
    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)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $307.2 mil
    Equity capital: $25.6 mil
    Deposits held in domestic offices: $273.7 mil
    Return on assets (ROA): 0.23% ($0.7 mil)
    Quarterly return on assets: 0.25% ($0.8 mil)
    Return on Equity (ROE): 2.90% ($0.8 mil)
    Quarterly return on equity: 2.98% ($0.8 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.29% ($891.0 mil)
    Quarterly Pretax return on assets: 0.33% ($1,013.9 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
  • 46Total employees (full-time equivalent)
  • $307,244Total assets
  • $31,262Cash and due from depository institutions
  • $30,674Interest-bearing balances
  • $72,807Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $184,952Net loans & leases
  • $1,564Loan loss allowance
  • $0Trading account assets
  • $5,167Bank premises and fixed assets
  • $2,803Other real estate owned
  • $0Goodwill and other intangibles
  • $307,244Life insurance assets
  • $10,253All other assets
  • $281,685Total liabilities and capital
  • $273,699Total liabilities
  • $262,647Total deposits
  • $273,699Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,444Trading liabilities
  • $0Other borrowed funds
  • $542Subordinated debt
  • $25,559All other liabilities
  • $25,559Total equity capital
  • $25,559Total bank equity capital
  • $0Perpetual preferred stock
  • $10Common stock
  • $14,644Surplus
  • $10,905Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,895Income earned, not collected on loans
  • $0Earning assets
  • $921Long-term assets (5+ years)
  • $288,433Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $307,654Volatile liabilities
  • $305,669Insider loans
  • $150,346FHLB advances
  • $306,814Loans and leases held for sale
  • $3,780Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,275Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,191Restructured Loans and leases
  • $115Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,770Total interest income
  • $3,360Total interest expense
  • $9,410Net interest income
  • $1,480Provision for loan and lease losses
  • $612Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $612Additional noninterest income
  • $7,739Total noninterest expense
  • $3,427Salaries and employee benefits
  • $1,403Premises and equipment expense
  • $2,909Additional noninterest expense
  • $803Pre-tax net operating income
  • $94Securities gains (losses)
  • $193Applicable income taxes
  • $704Income before extraordinary items
  • $0Extraordinary gains - net
  • $704Net income attributable to bank
  • $0Net charge-offs
  • $704Cash dividends
  • $1,683Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.44%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 3.27%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 0.20%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.29%Pretax return on assets
  • 2.90%Return on equity (ROE)
  • 2.90%Retained earnings to average equity (YTD only)
  • 0.87%Net charge-offs to loans
  • 87.94%Credit loss provision to net charge-offs
  • 1.36%Efficiency ratio
  • 77,220Assets per employee
  • 6.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.84%Loss allowance to noncurrent loans
  • 31.95%Noncurrent assets plus other real estate owned to assets
  • 2.51%Noncurrent loans to loans
  • 2.62%Net loans and leases to deposits
  • 67.57%Net loans and leases to core deposits
  • 68.31%Equity capital to assets
  • 8.32%Core capital (leverage) ratio
  • 8.24%Tier 1 risk-based capital ratio
  • 16.81%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $307,654Average earning assets
  • $24,243Average equity
  • $287,766Average loans

List of branches

  • 2 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5271570Ganttown Road Branch438 Ganttown Road, Sewell, NJ 8080September 01, 1997Full Service Brick and Mortar
    9495115Hurffville Road Branch1893 Hurffville Road, Sewell, NJ 8080December 08, 2006Full Service Brick and Mortar
  • 4 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041750St. Edmond's Federal Savings Bank1901 E Passyunk Avenue, Philadelphia, PA 19148January 01, 1912Full Service Brick and Mortar
    6451782Ardmore Branch20 Woodside Road, Ardmore, PA 19003Febuary 06, 2005Full Service Brick and Mortar
    7451783Ridge Avenue Branch5873 Ridge Avenue, Philadelphia, PA 19128December 17, 2005Full Service Brick and Mortar
    8491907Drexel Hill Branch1270 Township Line Road, Drexel Hill, PA 19026April 02, 2008Full Service Brick and Mortar

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