FDIC Certificate #: 28270 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Northwest Savings Bank (#28178) Federal Reserve ID: 704175 Date Established: January 01, 1923 WWW:http://www.leedsfsb.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 1272 FDIC's unique #: 41104 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: November 20, 1935 Last Structure Change Effective Date: September 10, 2004 Last Structure Change Process Date: September 23, 2004 Last Data Update: September 23, 2004 Data Source Date: April 05, 2012
Location
Address: 1101 Maiden Choice Lane, Baltimore, MD 21229 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: $467.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
33Total employees (full-time equivalent)
$465,697Total assets
$20,456Cash and due from depository institutions
$2,245Interest-bearing balances
$136,956Securities
$50,000Federal funds sold & reverse repurchase agreements
$229,972Net loans & leases
$579Loan loss allowance
$0Trading account assets
$2,193Bank premises and fixed assets
$1,920Other real estate owned
$11,843Goodwill and other intangibles
$0Life insurance assets
$12,357All other assets
$465,697Total liabilities and capital
$426,495Total liabilities
$422,903Total deposits
$421,130Interest-bearing deposits
$422,903Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$3,592All other liabilities
$39,202Total equity capital
$39,202Total bank equity capital
$39,202Perpetual preferred stock
$0Common stock
$1Surplus
$15,000Undivided profits
Memoranda
$24,201Noncurrent loans and leases
$25,281Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$416Earning assets
$0Long-term assets (5+ years)
$788Average Assets, year-to-date
$419,173Average Assets, quarterly
$0Volatile liabilities
$463,301Insider loans
$464,675FHLB advances
$154,539Loans and leases held for sale
$369Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$24,291Total unused commitments
$0Restructured Loans and leases
$2,341Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$15,808Total interest income
$10,187Total interest expense
$5,621Net interest income
$38Provision for loan and lease losses
$812Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$812Additional noninterest income
$25,420Total noninterest expense
$6,354Salaries and employee benefits
$493Premises and equipment expense
$18,573Additional noninterest expense
-$19,025Pre-tax net operating income
$0Securities gains (losses)
-$681Applicable income taxes
-$18,344Income before extraordinary items
$0Extraordinary gains - net
-$18,344Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$16Sale, conversion, retirement of capital stock, net
$40,447Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.71%Yield on earning assets
2.39%Cost of funding earning assets
1.32%Net interest margin
0.19%Noninterest income to earning assets
5.96%Noninterest expense to earning assets
-3.96%Net operating income to assets
-3.96%Return on assets (ROA)
-4.11%Pretax return on assets
-40.96%Return on equity (ROE)
-131.26%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
237.50%Credit loss provision to net charge-offs
-1186.69%Efficiency ratio
132,473Assets per employee
14.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
-220.49%Loss allowance to loans
0.25%Loss allowance to noncurrent loans
139.18%Noncurrent assets plus other real estate owned to assets
0.50%Noncurrent loans to loans
0.18%Net loans and leases to deposits
54.38%Net loans and leases to core deposits
85.69%Equity capital to assets
8.42%Core capital (leverage) ratio
5.70%Tier 1 risk-based capital ratio
10.32%Total risk-based capital ratio
Memoranda
$11Average assets
$463,301Average earning assets
$44,788Average equity
$426,155Average loans
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