FDIC Certificate #: 35154 Status: Active Federal Reserve ID: 2916534 Date Established: June 05, 2000 WWW:http://www.troweprice.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 #: 15731 FDIC's unique #: 75150 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: June 05, 2000 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: 100 East Pratt Street, Baltimore, MD 21202 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)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $200.9 mil Equity capital: $24.0 mil Deposits held in domestic offices: $173.5 mil Return on assets (ROA): 0.32% ($0.6 mil) Quarterly return on assets: 0.34% ($0.7 mil) Return on Equity (ROE): 2.64% ($0.6 mil) Quarterly return on equity: 2.86% ($0.7 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.54% ($1,085.1 mil) Quarterly Pretax return on assets: 0.55% ($1,105.2 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
1Total employees (full-time equivalent)
$200,948Total assets
$384Cash and due from depository institutions
$261Interest-bearing balances
$199,344Securities
$0Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$1Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$200,948Life insurance assets
$1,219All other assets
$176,952Total liabilities and capital
$173,452Total liabilities
$173,452Total deposits
$173,452Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$3,500Subordinated debt
$23,996All other liabilities
$23,996Total equity capital
$23,996Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$19,999Surplus
$3,996Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$703Long-term assets (5+ years)
$199,605Average Assets, year-to-date
$0Average Assets, quarterly
$193,801Volatile liabilities
$200,031Insider loans
$55,539FHLB advances
$197,815Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$22,085Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,416Total interest income
$3,035Total interest expense
$2,381Net interest income
$0Provision for loan and lease losses
$0Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$1,313Total noninterest expense
$502Salaries and employee benefits
$269Premises and equipment expense
$542Additional noninterest expense
$1,068Pre-tax net operating income
-$27Securities gains (losses)
$413Applicable income taxes
$628Income before extraordinary items
$0Extraordinary gains - net
$628Net income attributable to bank
$0Net charge-offs
$628Cash 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)
2.82%Yield on earning assets
1.58%Cost of funding earning assets
1.24%Net interest margin
0.00%Noninterest income to earning assets
0.68%Noninterest expense to earning assets
0.33%Net operating income to assets
0.32%Return on assets (ROA)
0.54%Pretax return on assets
2.64%Return on equity (ROE)
2.64%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
55,145Assets per employee
200.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.00%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
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
11.94%Core capital (leverage) ratio
11.16%Tier 1 risk-based capital ratio
39.76%Total risk-based capital ratio
Memoranda
$40Average assets
$193,801Average earning assets
$23,760Average equity
$192,258Average loans
List of branches
1 Maryland Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
75150
T. Rowe Price Savings Bank
100 East Pratt Street, Baltimore, MD 21202
June 05, 2000
Full Service Brick and Mortar
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