Annapolis Federal Savings Bank in Annapolis, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 10, 1994

  • Annapolis Federal Savings Bank in Annapolis, Maryland (MD)
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Annapolis Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 28500
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Crestar Bank MD (#9696)
    Federal Reserve ID: 304977
    Date Established: January 01, 1925
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 1714
    FDIC's unique #: 41334
    Numeric code: 33
    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: July 31, 1941
    Last Structure Change Effective Date: June 10, 1994
    Last Structure Change Process Date: July 01, 1994
    Last Data Update: July 01, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 140 Main Street, Annapolis, MD 21401
    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: $319.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $144Total assets
  • $329,104Cash and due from depository institutions
  • $25,997Interest-bearing balances
  • $19,211Securities
  • $54,127Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $222,262Loan loss allowance
  • $2,934Trading account assets
  • $0Bank premises and fixed assets
  • $10,397Other real estate owned
  • $10,321Goodwill and other intangibles
  • $6,000Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $329,104Total liabilities
  • $311,254Total deposits
  • $293,780Interest-bearing deposits
  • $282,172Deposits held in domestic offices
  • 293780.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $15,606Subordinated debt
  • $0All other liabilities
  • $1,868Total equity capital
  • $1,868Total bank equity capital
  • $17,850Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $14,562Undivided profits
  • Memoranda
  • $3,287Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,423Income earned, not collected on loans
  • $1,964Earning assets
  • $295,600Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $334,092Average Assets, quarterly
  • $326,809Volatile liabilities
  • $51,706Insider loans
  • $338FHLB advances
  • $7,000Loans and leases held for sale
  • $0Unused loan commitments
  • $12,720Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,429Total risk weighted assets
  • $203,869Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $23,767Total interest expense
  • $13,501Net interest income
  • $10,266Provision for loan and lease losses
  • $100Total noninterest income
  • $832Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $832Total noninterest expense
  • $8,984Salaries and employee benefits
  • $4,544Premises and equipment expense
  • $1,827Additional noninterest expense
  • $2,613Pre-tax net operating income
  • $2,014Securities gains (losses)
  • $0Applicable income taxes
  • $732Income before extraordinary items
  • $1,282Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,282Net charge-offs
  • $182Cash dividends
  • $123Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.97%Cost of funding earning assets
  • 4.53%Net interest margin
  • 3.44%Noninterest income to earning assets
  • 0.28%Noninterest expense to earning assets
  • 3.01%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.38%Pretax return on assets
  • 0.60%Return on equity (ROE)
  • 7.37%Retained earnings to average equity (YTD only)
  • 6.66%Net charge-offs to loans
  • 0.08%Credit loss provision to net charge-offs
  • 54.95%Efficiency ratio
  • 80,717Assets per employee
  • 2.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 9.59%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 54.10%Noncurrent assets plus other real estate owned to assets
  • 4.78%Noncurrent loans to loans
  • 2.41%Net loans and leases to deposits
  • 75.66%Net loans and leases to core deposits
  • 86.26%Equity capital to assets
  • 5.42%Core capital (leverage) ratio
  • 5.31%Tier 1 risk-based capital ratio
  • 8.55%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $334,092Average earning assets
  • $17,397Average equity
  • $298,263Average loans

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