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


  • Rosedale Federal Savings and Loan Association in Baltimore, Maryland (MD)
  • Show street view No street view available for this location

Rosedale Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29613
    Status: Active
    Federal Reserve ID: 86675
    Date Established: January 01, 1908
    WWW: http://www.rosedalefederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 3758
    FDIC's unique #: 42447
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: March 28, 1936
    Last Structure Change Effective Date: Febuary 01, 2012
    Last Structure Change Process Date: Febuary 06, 2012
    Last Data Update: Febuary 06, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 6708 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)
  • Financial Summary
  • Total assets: $785.1 mil
    Equity capital: $161.4 mil
    Deposits held in domestic offices: $623.1 mil
    Return on assets (ROA): 0.77% ($6.0 mil)
    Quarterly return on assets: -0.48% (-$3.8 mil)
    Return on Equity (ROE): 3.66% ($5.9 mil)
    Quarterly return on equity: -2.33% (-$3.8 mil)
    Net income: $5.8 mil
    Quarterly Net income: -$0.9 mil
    Pretax return on assets: 1.20% ($9,421.7 mil)
    Quarterly Pretax return on assets: -0.75% (-$5,888.6 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
  • 82Total employees (full-time equivalent)
  • $785,142Total assets
  • $48,684Cash and due from depository institutions
  • $46,622Interest-bearing balances
  • $223,153Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $495,219Net loans & leases
  • $1,474Loan loss allowance
  • $19Trading account assets
  • $7,331Bank premises and fixed assets
  • $967Other real estate owned
  • $0Goodwill and other intangibles
  • $785,142Life insurance assets
  • $9,769All other assets
  • $623,714Total liabilities and capital
  • $623,117Total liabilities
  • $619,332Total deposits
  • $623,117Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $597Subordinated debt
  • $161,428All other liabilities
  • $161,428Total equity capital
  • $161,428Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $161,428Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,986Income earned, not collected on loans
  • $0Earning assets
  • $3,137Long-term assets (5+ years)
  • $765,013Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $761,404Volatile liabilities
  • $779,372Insider loans
  • $417,296FHLB advances
  • $785,142Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $161,428Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,802Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $36,269Total interest income
  • $9,020Total interest expense
  • $27,249Net interest income
  • $7,031Provision for loan and lease losses
  • -$21Total noninterest income
  • $0Fiduciary activities
  • $68Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$89Additional noninterest income
  • $11,080Total noninterest expense
  • $6,471Salaries and employee benefits
  • $1,683Premises and equipment expense
  • $2,926Additional noninterest expense
  • $9,117Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,285Applicable income taxes
  • $5,832Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,832Net income attributable to bank
  • $0Net charge-offs
  • $5,832Cash dividends
  • $6,951Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.66%Net interest margin
  • -0.00%Noninterest income to earning assets
  • 1.49%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 3.66%Return on equity (ROE)
  • 3.66%Retained earnings to average equity (YTD only)
  • 1.39%Net charge-offs to loans
  • 101.15%Credit loss provision to net charge-offs
  • 2.32%Efficiency ratio
  • 40,693Assets per employee
  • 9.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.30%Loss allowance to noncurrent loans
  • 24.62%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 79.47%Net loans and leases to core deposits
  • 80.61%Equity capital to assets
  • 20.56%Core capital (leverage) ratio
  • 20.56%Tier 1 risk-based capital ratio
  • 38.68%Total risk-based capital ratio
  • Memoranda
  • $39Average assets
  • $761,404Average earning assets
  • $159,541Average equity
  • $744,867Average loans

List of branches

  • 9 Maryland Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042447Rosedale Federal Savings And Loan As6708 Belair Road, Baltimore, MD 21206January 01, 1908Full Service Brick and Mortar
    12761049616 Belair Road Branch9616 Belair Road, Nottingham, MD 21236January 01, 1908Full Service Brick and Mortar
    22761057810 Philadelphia Road Branch7810 Philadelphia Road, Rosedale, MD 21237January 01, 1908Full Service Brick and Mortar
    1002761061009 Churchville Road Branch1009 Churchville Road, Bel Air, MD 21014January 01, 1908Full Service Brick and Mortar
    1012761077939 Honeygo Blvd Branch7939 Honeygo Boulevard, Nottingham, MD 21236January 01, 1908Full Service Brick and Mortar
    102276108Kenwood Branch6249 Kenwood Avenue Ste A, Rosedale, MD 21237March 04, 1991Full Service Brick and Mortar
    103276109Abingdon Branch3111 Emmorton Road, Abingdon, MD 21009October 04, 1999Full Service Brick and Mortar
    104359112Forest Valley Drive Branch104 Forest Valley Drive, Forest Hill, MD 21050June 30, 2000Full Service Brick and Mortar
    1054954596708 Belair Road6708 Belair Road, Baltimore, MD 21206June 30, 2009Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Rosedale Federal Savings and Loan Association.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents