FDIC Certificate #: 31109 Status: Active Federal Reserve ID: 809678 Date Established: January 01, 1956 WWW:http://www.nasb111@aol.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 #: 6390 FDIC's unique #: 43943 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: December 14, 1959 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: 125 Mountain Road, Pasadena, MD 21122 County: Anne Arundel 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: $37.4 mil Equity capital: $4.4 mil Deposits held in domestic offices: $32.7 mil Return on assets (ROA): 0.73% ($0.3 mil) Quarterly return on assets: 0.82% ($0.3 mil) Return on Equity (ROE): 6.23% ($0.2 mil) Quarterly return on equity: 6.99% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.18% ($441.3 mil) Quarterly Pretax return on assets: 1.31% ($489.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$37,397Total assets
$3,417Cash and due from depository institutions
$2,864Interest-bearing balances
$6,135Securities
$0Federal funds sold & reverse repurchase agreements
$27,189Net loans & leases
$126Loan loss allowance
$0Trading account assets
$342Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$37,397Life insurance assets
$314All other assets
$33,009Total liabilities and capital
$32,733Total liabilities
$32,576Total deposits
$32,733Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$276Subordinated debt
$4,388All other liabilities
$4,388Total equity capital
$4,388Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$4,388Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$58Income earned, not collected on loans
$0Earning assets
$147Long-term assets (5+ years)
$36,188Average Assets, year-to-date
$0Average Assets, quarterly
$35,801Volatile liabilities
$37,034Insider loans
$19,382FHLB advances
$37,237Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,284Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$468Restructured Loans and leases
$834Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,845Total interest income
$490Total interest expense
$1,355Net interest income
$26Provision for loan and lease losses
$7Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$7Additional noninterest income
$913Total noninterest expense
$531Salaries and employee benefits
$197Premises and equipment expense
$185Additional noninterest expense
$423Pre-tax net operating income
$0Securities gains (losses)
$163Applicable income taxes
$260Income before extraordinary items
$0Extraordinary gains - net
$260Net income attributable to bank
$0Net charge-offs
$260Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.32%Yield on earning assets
1.41%Cost of funding earning assets
3.90%Net interest margin
0.02%Noninterest income to earning assets
2.63%Noninterest expense to earning assets
0.73%Net operating income to assets
0.73%Return on assets (ROA)
1.18%Pretax return on assets
6.23%Return on equity (ROE)
6.23%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
67,034Assets per employee
5.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.46%Loss allowance to noncurrent loans
217.24%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.21%Net loans and leases to deposits
83.06%Net loans and leases to core deposits
87.25%Equity capital to assets
11.73%Core capital (leverage) ratio
11.50%Tier 1 risk-based capital ratio
22.10%Total risk-based capital ratio
Memoranda
$23Average assets
$35,801Average earning assets
$4,175Average equity
$34,711Average loans
List of branches
1 Maryland Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43943
North Arundel Savings Bank, Fsb
125 Mountain Road, Pasadena, MD 21122
January 01, 1956
Full Service Brick and Mortar
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