FDIC Certificate #: 28486 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Baltimore County Savings Bank (#32341) Federal Reserve ID: 282673 Date Established: January 01, 1902 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 1684 FDIC's unique #: 41320 Numeric code: 33 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: December 08, 1954 Last Structure Change Effective Date: July 24, 2002 Last Structure Change Process Date: August 22, 2002 Last Data Update: August 22, 2002 Data Source Date: April 05, 2012
Location
Address: 1505 York Road, Lutherville, MD 21093 County: Baltimore 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: $153.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
33Total employees (full-time equivalent)
$162,855Total assets
$24,807Cash and due from depository institutions
$23,393Interest-bearing balances
$21,535Securities
$0Federal funds sold & reverse repurchase agreements
$112,392Net loans & leases
$308Loan loss allowance
$0Trading account assets
$1,359Bank premises and fixed assets
$0Other real estate owned
$54Goodwill and other intangibles
$0Life insurance assets
$2,708All other assets
$162,855Total liabilities and capital
$147,022Total liabilities
$124,373Total deposits
$123,044Interest-bearing deposits
$124,373Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$22,386Other borrowed funds
$0Subordinated debt
$263All other liabilities
$15,833Total equity capital
$15,833Total bank equity capital
$15,833Perpetual preferred stock
$0Common stock
$10Surplus
$7,981Undivided profits
Memoranda
$7,842Noncurrent loans and leases
$19,105Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$454Earning assets
$0Long-term assets (5+ years)
$615Average Assets, year-to-date
$157,320Average Assets, quarterly
$0Volatile liabilities
$162,976Insider loans
$163,164FHLB advances
$35,299Loans and leases held for sale
$0Unused loan commitments
$22,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$19,105Total unused commitments
$247Restructured Loans and leases
$308Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$11,282Total interest income
$7,626Total interest expense
$3,656Net interest income
$14Provision for loan and lease losses
$259Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$259Additional noninterest income
$3,136Total noninterest expense
$2,098Salaries and employee benefits
$445Premises and equipment expense
$593Additional noninterest expense
$765Pre-tax net operating income
$0Securities gains (losses)
$304Applicable income taxes
$461Income before extraordinary items
$0Extraordinary gains - net
$461Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$14Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.18%Yield on earning assets
4.85%Cost of funding earning assets
2.33%Net interest margin
0.16%Noninterest income to earning assets
2.00%Noninterest expense to earning assets
0.28%Net operating income to assets
0.28%Return on assets (ROA)
0.47%Pretax return on assets
3.02%Return on equity (ROE)
3.02%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
55.64%Efficiency ratio
80,000Assets per employee
4.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.27%Loss allowance to noncurrent loans
67.84%Noncurrent assets plus other real estate owned to assets
0.28%Noncurrent loans to loans
0.40%Net loans and leases to deposits
90.37%Net loans and leases to core deposits
100.84%Equity capital to assets
9.72%Core capital (leverage) ratio
9.68%Tier 1 risk-based capital ratio
17.77%Total risk-based capital ratio
Memoranda
$18Average assets
$162,976Average earning assets
$15,272Average equity
$157,098Average loans
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Heritage Savings Bank, FSB.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: