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

This bank is inactive as of April 01, 1996

  • Vanguard Savings and Loan Association in Baltimore, Maryland (MD)
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Vanguard Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 32384
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bay-Vanguard Federal Savings Bank (#32527)
    Federal Reserve ID: 466071
    Date Established: May 15, 1959
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 8208
    FDIC's unique #: 45218
    Numeric code: 35
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 30, 1985
    Last Structure Change Effective Date: April 01, 1996
    Last Structure Change Process Date: April 15, 1996
    Last Data Update: April 15, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 7114 North Point Road, Baltimore, MD 21219
    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)
  • Financial Summary
  • Total assets: $28.0 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)
  • $9Total assets
  • $27,625Cash and due from depository institutions
  • $3,421Interest-bearing balances
  • $3,164Securities
  • $668Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $22,836Loan loss allowance
  • $147Trading account assets
  • $0Bank premises and fixed assets
  • $261Other real estate owned
  • $3Goodwill and other intangibles
  • $436Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $27,625Total liabilities
  • $24,549Total deposits
  • $24,469Interest-bearing deposits
  • $23,707Deposits held in domestic offices
  • 24469.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $80Total equity capital
  • $80Total bank equity capital
  • $3,076Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $3,076Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $577Income earned, not collected on loans
  • $154Earning assets
  • $26,668Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $26,998Average Assets, quarterly
  • $27,427Volatile liabilities
  • $2,224Insider loans
  • $813FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,076Total risk weighted assets
  • $13,291Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,244Total interest expense
  • $1,169Net interest income
  • $1,075Provision for loan and lease losses
  • $62Total noninterest income
  • $64Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $64Total noninterest expense
  • $930Salaries and employee benefits
  • $468Premises and equipment expense
  • $127Additional noninterest expense
  • $335Pre-tax net operating income
  • $147Securities gains (losses)
  • $12Applicable income taxes
  • $92Income before extraordinary items
  • $67Extraordinary gains - net
  • $0Net income attributable to bank
  • $67Net charge-offs
  • $11Cash dividends
  • $0Sale, 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
  • 8.64%Cost of funding earning assets
  • 4.50%Net interest margin
  • 4.14%Noninterest income to earning assets
  • 0.25%Noninterest expense to earning assets
  • 3.58%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.25%Pretax return on assets
  • 0.59%Return on equity (ROE)
  • 2.17%Retained earnings to average equity (YTD only)
  • 2.17%Net charge-offs to loans
  • 0.05%Credit loss provision to net charge-offs
  • 563.64%Efficiency ratio
  • 81,651Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.64%Loss allowance to noncurrent loans
  • 25.48%Noncurrent assets plus other real estate owned to assets
  • 2.10%Noncurrent loans to loans
  • 2.51%Net loans and leases to deposits
  • 93.33%Net loans and leases to core deposits
  • 102.66%Equity capital to assets
  • 11.13%Core capital (leverage) ratio
  • 11.13%Tier 1 risk-based capital ratio
  • 23.14%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $26,998Average earning assets
  • $3,087Average equity
  • $25,974Average loans

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