Fraternity Federal Savings and Loan Association in Baltimore, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Fraternity Federal Savings and Loan Association in Baltimore, Maryland (MD)
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Fraternity Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28283
    Status: Active
    Federal Reserve ID: 954774
    Date Established: January 01, 1913
    WWW: http://www.fraternityfed.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 1292
    FDIC's unique #: 41117
    Numeric code: 37
    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: October 29, 1936
    Last Structure Change Effective Date: April 04, 2012
    Last Structure Change Process Date: April 04, 2012
    Last Data Update: April 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 764 Washington Blvd, Baltimore, MD 21230
    County: Baltimore City
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Baltimore
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Baltimore, MD (#720)
    Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
    Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
    Core Based Statistical Area (CBSA): Baltimore-Towson, MD (#12580)
    CBSA Metro Statistical Area: Baltimore-Towson, MD (#12580)
  • Financial Summary
  • Total assets: $175.3 mil
    Equity capital: $23.8 mil
    Deposits held in domestic offices: $128.3 mil
    Return on assets (ROA): 0.02% ($0.0 mil)
    Quarterly return on assets: 0.21% ($0.4 mil)
    Return on Equity (ROE): 0.17% ($0.0 mil)
    Quarterly return on equity: 1.56% ($0.4 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -0.04% (-$70.1 mil)
    Quarterly Pretax return on assets: 0.24% ($420.8 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
  • 33Total employees (full-time equivalent)
  • $175,331Total assets
  • $14,923Cash and due from depository institutions
  • $13,889Interest-bearing balances
  • $39,256Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $112,780Net loans & leases
  • $1,296Loan loss allowance
  • $0Trading account assets
  • $741Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $175,331Life insurance assets
  • $7,631All other assets
  • $151,528Total liabilities and capital
  • $128,345Total liabilities
  • $120,850Total deposits
  • $128,345Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,500Trading liabilities
  • $0Other borrowed funds
  • $683Subordinated debt
  • $23,803All other liabilities
  • $23,803Total equity capital
  • $23,803Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $7,468Surplus
  • $16,334Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,838Income earned, not collected on loans
  • $0Earning assets
  • $606Long-term assets (5+ years)
  • $165,925Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $177,106Volatile liabilities
  • $177,064Insider loans
  • $93,832FHLB advances
  • $175,182Loans and leases held for sale
  • $4,354Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,654Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,629Restructured Loans and leases
  • $1,295Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,862Total interest income
  • $3,292Total interest expense
  • $3,570Net interest income
  • $65Provision for loan and lease losses
  • $308Total noninterest income
  • $0Fiduciary activities
  • $8Service charges on deposit accounts
  • $0Trading account gains & fees
  • $300Additional noninterest income
  • $3,990Total noninterest expense
  • $2,323Salaries and employee benefits
  • $494Premises and equipment expense
  • $1,173Additional noninterest expense
  • -$177Pre-tax net operating income
  • $108Securities gains (losses)
  • -$107Applicable income taxes
  • $38Income before extraordinary items
  • $0Extraordinary gains - net
  • $38Net income attributable to bank
  • $0Net charge-offs
  • $38Cash dividends
  • $115Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.22%Yield on earning assets
  • 2.02%Cost of funding earning assets
  • 2.19%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 2.45%Noninterest expense to earning assets
  • -0.02%Net operating income to assets
  • 0.02%Return on assets (ROA)
  • -0.04%Pretax return on assets
  • 0.17%Return on equity (ROE)
  • 0.17%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 56.52%Credit loss provision to net charge-offs
  • -0.97%Efficiency ratio
  • 102,888Assets per employee
  • 5.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 33.77%Noncurrent assets plus other real estate owned to assets
  • 2.19%Noncurrent loans to loans
  • 3.36%Net loans and leases to deposits
  • 87.87%Net loans and leases to core deposits
  • 91.97%Equity capital to assets
  • 13.58%Core capital (leverage) ratio
  • 13.50%Tier 1 risk-based capital ratio
  • 25.21%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $177,106Average earning assets
  • $22,152Average equity
  • $162,651Average loans

List of branches

  • 4 Maryland Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041117Fraternity Federal Savings And Loan764 Washington Blvd, Baltimore, MD 21230January 01, 1913Full Service Brick and Mortar
    12664538460 Baltimore National Pike Branch8460 Baltimore National Pike, Ellicott City, MD 21043January 01, 1913Full Service Brick and Mortar
    2266454Cockeysville Branch10283 York Road, Cockeysville, MD 21030March 01, 1995Full Service Brick and Mortar
    35202221631 N Main Street1631 N Main Street, Hampstead, MD 21074September 28, 2009Full Service Brick and Mortar

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