Odenton Federal Savings and Loan Association in Odenton, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 30, 1996

  • Odenton Federal Savings and Loan Association in Odenton, Maryland (MD)
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Odenton Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 31317
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Elkridge Bank (#18456)
    Federal Reserve ID: 386375
    Date Established: January 01, 1894
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 6721
    FDIC's unique #: 44151
    Numeric code: 37
    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: March 18, 1975
    Last Structure Change Effective Date: April 30, 1996
    Last Structure Change Process Date: May 15, 1996
    Last Data Update: May 15, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1219 Annapolis Road, Odenton, MD 21113
    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)
  • Financial Summary
  • Total assets: $33.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $11Total assets
  • $34,377Cash and due from depository institutions
  • $2,822Interest-bearing balances
  • $2,265Securities
  • $2,494Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $27,105Loan loss allowance
  • $117Trading account assets
  • $0Bank premises and fixed assets
  • $312Other real estate owned
  • $197Goodwill and other intangibles
  • $1,447Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $34,377Total liabilities
  • $30,350Total deposits
  • $29,280Interest-bearing deposits
  • $29,280Deposits held in domestic offices
  • 29280.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,000Subordinated debt
  • $0All other liabilities
  • $70Total equity capital
  • $70Total bank equity capital
  • $4,027Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $649Undivided profits
  • Memoranda
  • $3,377Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $179Earning assets
  • $31,864Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $34,339Average Assets, quarterly
  • $34,560Volatile liabilities
  • $4,014Insider loans
  • $0FHLB advances
  • $1,000Loans and leases held for sale
  • $0Unused loan commitments
  • $1,171Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,366Total risk weighted assets
  • $19,279Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,682Total interest expense
  • $1,500Net interest income
  • $1,182Provision for loan and lease losses
  • -$1Total noninterest income
  • $124Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $124Total noninterest expense
  • $925Salaries and employee benefits
  • $433Premises and equipment expense
  • $182Additional noninterest expense
  • $310Pre-tax net operating income
  • $382Securities gains (losses)
  • $0Applicable income taxes
  • $167Income before extraordinary items
  • $215Extraordinary gains - net
  • $0Net income attributable to bank
  • $215Net charge-offs
  • $0Cash dividends
  • $48Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.45%Cost of funding earning assets
  • 4.73%Net interest margin
  • 3.73%Noninterest income to earning assets
  • 0.39%Noninterest expense to earning assets
  • 2.92%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 1.11%Return on equity (ROE)
  • 5.51%Retained earnings to average equity (YTD only)
  • 4.28%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 70,827Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.33%Loss allowance to loans
  • 0.43%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 92.57%Net loans and leases to core deposits
  • 103.19%Equity capital to assets
  • 11.71%Core capital (leverage) ratio
  • 9.97%Tier 1 risk-based capital ratio
  • 17.46%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $34,339Average earning assets
  • $3,904Average equity
  • $31,728Average loans

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