Hamilton Bank in city_name, state_name - Detailed Financial Reports, Location

Hamilton Bank in Baltimore, Maryland (MD)
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Hamilton Bank - Overview

General
FDIC Certificate #: 28589
Status: Active
Federal Reserve ID: 365576
Date Established: January 01, 1915
WWW: http://www.hamiltonfsb.com
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: No)
OTS Docket #: 1904
FDIC's unique #: 41423
Numeric code: 34
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: May 20, 1937
Last Structure Change Effective Date: January 17, 2012
Last Structure Change Process Date: January 25, 2012
Last Data Update: January 25, 2012
Data Source Date: April 05, 2012
Location
Address: 5600 Harford Rd, Baltimore, MD 21214
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)
History of Changes
Name Change
Change in Location
Financial Summary
Total assets: $320.5 mil
Equity capital: $36.4 mil
Deposits held in domestic offices: $282.5 mil
Return on assets (ROA): 0.39% ($1.3 mil)
Quarterly return on assets: 0.47% ($1.5 mil)
Return on Equity (ROE): 3.60% ($1.3 mil)
Quarterly return on equity: 4.19% ($1.5 mil)
Net income: $1.3 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.55% ($1,762.9 mil)
Quarterly Pretax return on assets: 0.71% ($2,275.8 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
51Total employees (full-time equivalent)
$320,529Total assets
$20,637Cash and due from depository institutions
$16,928Interest-bearing balances
$105,411Securities
$3,108Federal funds sold & reverse repurchase agreements
$174,630Net loans & leases
$921Loan loss allowance
$0Trading account assets
$2,573Bank premises and fixed assets
$0Other real estate owned
$2,942Goodwill and other intangibles
$320,529Life insurance assets
$11,228All other assets
$284,102Total liabilities and capital
$282,479Total liabilities
$272,512Total deposits
$282,479Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,623Subordinated debt
$36,427All other liabilities
$36,427Total equity capital
$36,427Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$36,427Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,270Income earned, not collected on loans
$0Earning assets
$1,046Long-term assets (5+ years)
$300,077Average Assets, year-to-date
$0Average Assets, quarterly
$329,067Volatile liabilities
$323,398Insider loans
$185,522FHLB advances
$315,961Loans and leases held for sale
$8,234Unused loan commitments
$0Tier 1 (core) risk-based capital
$32,500Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25,250Restructured Loans and leases
$31Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,700Total interest income
$4,232Total interest expense
$8,468Net interest income
$657Provision for loan and lease losses
$516Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$516Additional noninterest income
$6,718Total noninterest expense
$3,657Salaries and employee benefits
$1,563Premises and equipment expense
$1,498Additional noninterest expense
$1,609Pre-tax net operating income
$207Securities gains (losses)
$545Applicable income taxes
$1,271Income before extraordinary items
$0Extraordinary gains - net
$1,271Net income attributable to bank
$0Net charge-offs
$1,271Cash dividends
$616Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.12%Yield on earning assets
1.37%Cost of funding earning assets
2.75%Net interest margin
0.17%Noninterest income to earning assets
2.18%Noninterest expense to earning assets
0.34%Net operating income to assets
0.39%Return on assets (ROA)
0.55%Pretax return on assets
3.60%Return on equity (ROE)
3.60%Retained earnings to average equity (YTD only)
0.35%Net charge-offs to loans
106.66%Credit loss provision to net charge-offs
3.68%Efficiency ratio
73,965Assets per employee
6.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.52%Loss allowance to noncurrent loans
12.67%Noncurrent assets plus other real estate owned to assets
2.27%Noncurrent loans to loans
4.14%Net loans and leases to deposits
61.82%Net loans and leases to core deposits
65.48%Equity capital to assets
11.36%Core capital (leverage) ratio
10.29%Tier 1 risk-based capital ratio
17.52%Total risk-based capital ratio
Memoranda
$18Average assets
$329,067Average earning assets
$35,296Average equity
$308,044Average loans

List of branches

6 Maryland Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	41423	Hamilton Bank	5600 Harford Rd, Baltimore, MD 21214	January 01, 1915	Full Service Brick and Mortar
2	43110	19 W Pennsylvania Ave Branch	19 West Pennsylvania Avenue, Towson, MD 21204	January 01, 1910	Full Service Brick and Mortar
3	42652	Baltimore/Belair Road Branch	6301 Belair Road, Baltimore, MD 21206	January 01, 1920	Full Service Brick and Mortar
4	365111	Cranbrook Road Branch	9 Cranbrook Road, Cockeysville, MD 21030	August 14, 2000	Full Service Brick and Mortar
5	284006	8108 Jumpers Hole Rd Branch	8108 Jumpers Hole Road, Pasadena, MD 21122	July 07, 1961	Full Service Brick and Mortar
6	521531	Administrative Office Branch	501 Fairmount Avenue, Suite 200, Towson, MD 21286	May 10, 2011	Limited Service Administrative

Hamilton Bank in Baltimore, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

Hamilton Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Hamilton Bank in Baltimore, Maryland (MD)Overview, Financial Summary, Detailed Financial Reports, Branches

Hamilton Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Hamilton Bank in Baltimore, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches