York Federal Savings and Loan Association in York, Pennsylvania (PA)



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York Federal Savings and Loan Association
GeneralFDIC Certificate #: 30821
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Waypoint Bank (#30174)
Federal Reserve ID: 440576
Date Established: November 17, 1955
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 5970
FDIC's unique #: 43655
Numeric code: 37
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: November 17, 1955
Last Structure Change Effective Date: October 30, 2000
Last Structure Change Process Date: December 05, 2000
Last Data Update: December 05, 2000
Data Source Date: April 05, 2012
LocationAddress: 101 South George Street, York, PA 17401
County: York
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): York, PA (#9280)
Combined Statistical Area (CSA): York-Hanover-Gettysburg, PA (#564)
Core Based Statistical Area (CBSA): York-Hanover, PA (#49620)
CBSA Metro Statistical Area: York-Hanover, PA (#49620)
Financial SummaryTotal assets: $1,698.3 mil

1992 - 1999 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, 1999)
(Dollar figures in thousands)
Total employees (full-time equivalent)405
Total assets$1,642,623
Cash and due from depository institutions$32,446
Interest-bearing balances$4,343
Securities$369,646
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$1,174,948
Loan loss allowance $11,033
Trading account assets$0
Bank premises and fixed assets$5,236
Other real estate owned$5,198
Goodwill and other intangibles$4,299
All other assets$50,850
Life insurance assets$0
Total liabilities and capital$1,642,623
Total liabilities$1,530,017
Total deposits$1,121,300
Interest-bearing deposits$1,083,105
Deposits held in domestic offices$1,121,300
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $4,261
Trading liabilities$0
Other borrowed funds $398,627
Subordinated debt $0
All other liabilities $5,829
Total equity capital$112,606
Total bank equity capital$112,606
Perpetual preferred stock$112,606
Common stock$0
Surplus$0
Undivided profits $28,730
Memoranda
Noncurrent loans and leases $83,876
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $207,383
Income earned, not collected on loans $0
Earning assets $8,736
Long-term assets (5+ years) $0
Average Assets, year-to-date $6,561
Average Assets, quarterly $1,548,937
Volatile liabilities $0
Insider loans $1,414,191
FHLB advances $1,590,744
Loans and leases held for sale $580,410
Unused loan commitments $7,486
Tier 1 (core) risk-based capital $398,596
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $206,183
Restructured Loans and leases $9,473
Derivatives$11,033
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Income and Expense (December 31, 1999)
(Dollar figures in thousands)
Total interest income $94,677
Total interest expense $58,214
Net interest income $36,463
Provision for loan and lease losses $2,925
Total noninterest income $8,417
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $1,411
Additional noninterest income $7,006
Total noninterest expense $28,804
Salaries and employee benefits $15,052
Premises and equipment expense $6,395
Additional noninterest expense $7,357
Pre-tax net operating income $13,151
Securities gains (losses) $105
Applicable income taxes $3,677
Income before extraordinary items $9,579
Extraordinary gains - net $0
Net income attributable to bank $9,579
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $1,761
Net operating income $5,245
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Performance and Condition Ratios (December 31, 1999)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets7.10%
Cost of funding earning assets 4.36%
Net interest margin 2.73%
Noninterest income to earning assets 0.63%
Noninterest expense to earning assets 2.16%
Net operating income to assets 0.67%
Return on assets (ROA) 0.68%
Pretax return on assets 0.94%
Return on equity (ROE) 9.66%
Retained earnings to average equity (YTD only) 4.37%
Net charge-offs to loans 0.17%
Credit loss provision to net charge-offs 166.10%
Efficiency ratio9.13%
Assets per employee$64,180
Cash dividends to net income (YTD only)4.06%
Condition Ratios (%)
Loss allowance to loans 54.76%
Loss allowance to noncurrent loans 0.93%
Noncurrent assets plus other real estate owned to assets 126.29%
Noncurrent loans to loans 0.79%
Net loans and leases to deposits0.74%
Net loans and leases to core deposits 104.78%
Equity capital to assets 124.49%
Core capital (leverage) ratio 6.86%
Tier 1 risk-based capital ratio 7.21%
Total risk-based capital ratio 12.14%
Memoranda
Average assets$13
Average earning assets$1,414,191
Average equity $99,191
Average loans $1,333,703
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