Jarrettsville Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 31083 Status: Active Federal Reserve ID: 613978 Date Established: January 01, 1876 WWW:http://www.jarrettsvillefederal.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 6351 FDIC's unique #: 43917 Numeric code: 38 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: December 17, 1959 Last Structure Change Effective Date: Febuary 23, 2012 Last Structure Change Process Date: Febuary 23, 2012 Last Data Update: Febuary 23, 2012 Data Source Date: April 05, 2012
Location
Address: 3706 Norrisville Road, Jarrettsville, MD 21084 County: Harford 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: $102.9 mil Equity capital: $14.4 mil Deposits held in domestic offices: $88.3 mil Return on assets (ROA): 1.31% ($1.3 mil) Quarterly return on assets: 1.41% ($1.5 mil) Return on Equity (ROE): 9.29% ($1.3 mil) Quarterly return on equity: 9.98% ($1.4 mil) Net income: $1.3 mil Quarterly Net income: $0.4 mil Pretax return on assets: 2.47% ($2,541.1 mil) Quarterly Pretax return on assets: 2.35% ($2,417.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$102,877Total assets
$9,691Cash and due from depository institutions
$6,673Interest-bearing balances
$6,679Securities
$0Federal funds sold & reverse repurchase agreements
$84,829Net loans & leases
$250Loan loss allowance
$0Trading account assets
$646Bank premises and fixed assets
$347Other real estate owned
$0Goodwill and other intangibles
$102,877Life insurance assets
$685All other assets
$88,443Total liabilities and capital
$88,340Total liabilities
$86,912Total deposits
$88,340Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$103Subordinated debt
$14,434All other liabilities
$14,434Total equity capital
$14,434Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$14,434Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,458Income earned, not collected on loans
$0Earning assets
$173Long-term assets (5+ years)
$98,181Average Assets, year-to-date
$0Average Assets, quarterly
$98,232Volatile liabilities
$101,250Insider loans
$53,647FHLB advances
$103,144Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,701Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,402Restructured Loans and leases
$18Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,667Total interest income
$1,062Total interest expense
$3,605Net interest income
$10Provision for loan and lease losses
$10Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$1,182Total noninterest expense
$653Salaries and employee benefits
$298Premises and equipment expense
$231Additional noninterest expense
$2,423Pre-tax net operating income
$0Securities gains (losses)
$1,138Applicable income taxes
$1,285Income before extraordinary items
$0Extraordinary gains - net
$1,285Net income attributable to bank
$0Net charge-offs
$1,285Cash dividends
$10Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.98%Yield on earning assets
1.13%Cost of funding earning assets
3.84%Net interest margin
0.01%Noninterest income to earning assets
1.26%Noninterest expense to earning assets
1.31%Net operating income to assets
1.31%Return on assets (ROA)
2.47%Pretax return on assets
9.29%Return on equity (ROE)
9.29%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
243.30%Efficiency ratio
32,697Assets per employee
14.70%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.29%Loss allowance to noncurrent loans
17.15%Noncurrent assets plus other real estate owned to assets
1.75%Noncurrent loans to loans
1.71%Net loans and leases to deposits
96.03%Net loans and leases to core deposits
97.31%Equity capital to assets
14.03%Core capital (leverage) ratio
14.25%Tier 1 risk-based capital ratio
27.40%Total risk-based capital ratio
Memoranda
$28Average assets
$98,232Average earning assets
$13,830Average equity
$93,803Average loans
List of branches
1 Maryland Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43917
Jarrettsville Federal Savings And Lo
3706 Norrisville Road, Jarrettsville, MD 21084
January 01, 1876
Full Service Brick and Mortar
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Jarrettsville Federal Savings and Loan Association
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