Madison Square Federal Savings Bank in city_name, state_name

Madison Square Federal Savings Bank in Baltimore, Maryland (MD)
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Madison Square Federal Savings Bank - Overview

General
FDIC Certificate #: 32334
Status: Active
Federal Reserve ID: 639174
Date Established: April 04, 1870
WWW: http://www.madisonsquarefsb.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 #: 8156
FDIC's unique #: 45168
Numeric code: 33
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: June 13, 1985
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: 9651 Belair Road, Baltimore, MD 21206
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)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $152.2 mil
Equity capital: $12.4 mil
Deposits held in domestic offices: $139.1 mil
Return on assets (ROA): 0.04% ($0.1 mil)
Quarterly return on assets: 0.10% ($0.2 mil)
Return on Equity (ROE): 0.45% ($0.1 mil)
Quarterly return on equity: 1.23% ($0.1 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.04% ($60.9 mil)
Quarterly Pretax return on assets: 0.10% ($152.2 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
30Total employees (full-time equivalent)
$152,240Total assets
$13,086Cash and due from depository institutions
$12,210Interest-bearing balances
$48,987Securities
$173Federal funds sold & reverse repurchase agreements
$84,767Net loans & leases
$657Loan loss allowance
$0Trading account assets
$3,812Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$152,240Life insurance assets
$1,415All other assets
$139,840Total liabilities and capital
$139,084Total liabilities
$139,084Total deposits
$139,084Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$364Trading liabilities
$0Other borrowed funds
$392Subordinated debt
$12,400All other liabilities
$12,400Total equity capital
$12,400Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$3,495Surplus
$8,904Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$260Income earned, not collected on loans
$0Earning assets
$452Long-term assets (5+ years)
$146,137Average Assets, year-to-date
$0Average Assets, quarterly
$153,242Volatile liabilities
$152,277Insider loans
$76,804FHLB advances
$151,695Loans and leases held for sale
$141Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,070Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,955Restructured Loans and leases
$62Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,913Total interest income
$2,077Total interest expense
$3,836Net interest income
$290Provision for loan and lease losses
$202Total noninterest income
$0Fiduciary activities
$30Service charges on deposit accounts
$0Trading account gains & fees
$172Additional noninterest income
$3,821Total noninterest expense
$2,101Salaries and employee benefits
$1,050Premises and equipment expense
$670Additional noninterest expense
-$73Pre-tax net operating income
$127Securities gains (losses)
$0Applicable income taxes
$54Income before extraordinary items
$0Extraordinary gains - net
$54Net income attributable to bank
$0Net charge-offs
$54Cash dividends
$179Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.04%Yield on earning assets
1.42%Cost of funding earning assets
2.62%Net interest margin
0.14%Noninterest income to earning assets
2.61%Noninterest expense to earning assets
-0.05%Net operating income to assets
0.04%Return on assets (ROA)
0.04%Pretax return on assets
0.45%Return on equity (ROE)
0.45%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
162.01%Credit loss provision to net charge-offs
1.21%Efficiency ratio
94,626Assets per employee
5.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.77%Loss allowance to noncurrent loans
252.69%Noncurrent assets plus other real estate owned to assets
0.17%Noncurrent loans to loans
0.30%Net loans and leases to deposits
60.95%Net loans and leases to core deposits
65.46%Equity capital to assets
8.15%Core capital (leverage) ratio
7.96%Tier 1 risk-based capital ratio
15.72%Total risk-based capital ratio
Memoranda
$17Average assets
$153,242Average earning assets
$12,112Average equity
$146,306Average loans

List of branches

4 Maryland Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	45168	Madison Square Federal Savings Bank	9651 Belair Road, Baltimore, MD 21206	April 04, 1870	Full Service Brick and Mortar
102	287708	Fallston Branch	2209 Belair Rd, Fallston, MD 21047	June 30, 1989	Full Service Brick and Mortar
103	287709	Gardenville Branch	5415 Belair Road, Baltimore, MD 21206	March 17, 1998	Full Service Brick and Mortar
104	492525	Bel Air Branch	126 North Main Street, Bel Air, MD 21014	June 30, 2008	Full Service Brick and Mortar

Madison Square Federal Savings Bank in Baltimore, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

Madison Square Federal Savings 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:

Madison Square Federal Savings Bank in Baltimore, Maryland (MD)Overview, Financial Summary, Detailed Financial Reports, Branches

Madison Square Federal Savings 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:

Madison Square Federal Savings Bank in Baltimore, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches