Baltimore County Savings Bank in Nottingham, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Baltimore County Savings Bank in Nottingham, Maryland (MD)
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Baltimore County Savings Bank - Overview

  • General
  • FDIC Certificate #: 32341
    Status: Active
    Federal Reserve ID: 430278
    Bank Holding Company (Regulatory Top Holder): Bcsb Bancorp, Inc. (RSSDID: 3832949, Location: Baltimore, MD)
    Date Established: April 04, 1955
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 17 (Domestic: 17, Interstate: No)
    OTS Docket #: 8163
    FDIC's unique #: 45175
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 21, 1985
    Last Structure Change Effective Date: October 01, 2011
    Last Structure Change Process Date: October 06, 2011
    Last Data Update: October 06, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4208 Ebenezer Road Ste A, Nottingham, MD 21236
    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)
  • History of Changes
  • Name Change
    Change in Location
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $639.0 mil
    Equity capital: $63.4 mil
    Deposits held in domestic offices: $563.0 mil
    Return on assets (ROA): 0.18% ($1.2 mil)
    Quarterly return on assets: 0.38% ($2.4 mil)
    Return on Equity (ROE): 1.76% ($1.1 mil)
    Quarterly return on equity: 3.76% ($2.4 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.27% ($1,725.3 mil)
    Quarterly Pretax return on assets: 0.59% ($3,770.2 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
  • 144Total employees (full-time equivalent)
  • $639,014Total assets
  • $72,588Cash and due from depository institutions
  • $64,155Interest-bearing balances
  • $171,721Securities
  • $1,924Federal funds sold & reverse repurchase agreements
  • $355,274Net loans & leases
  • $4,039Loan loss allowance
  • $0Trading account assets
  • $10,336Bank premises and fixed assets
  • $1,274Other real estate owned
  • $135Goodwill and other intangibles
  • $639,014Life insurance assets
  • $25,762All other assets
  • $575,659Total liabilities and capital
  • $562,996Total liabilities
  • $458,901Total deposits
  • $562,996Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $968Trading liabilities
  • $0Other borrowed funds
  • $11,695Subordinated debt
  • $63,355All other liabilities
  • $63,355Total equity capital
  • $63,355Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $42,421Surplus
  • $20,933Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $714Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,074Income earned, not collected on loans
  • $0Earning assets
  • $2,031Long-term assets (5+ years)
  • $593,074Average Assets, year-to-date
  • $239,251Average Assets, quarterly
  • $624,997Volatile liabilities
  • $629,766Insider loans
  • $392,368FHLB advances
  • $623,919Loans and leases held for sale
  • $16,334Unused loan commitments
  • $6,107Tier 1 (core) risk-based capital
  • $63,115Tier 2 risk-based capital
  • $510Total risk weighted assets
  • $9,717Total unused commitments
  • $45,235Restructured Loans and leases
  • $270Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,918Total interest income
  • $7,590Total interest expense
  • $19,328Net interest income
  • $1,600Provision for loan and lease losses
  • $1,457Total noninterest income
  • $0Fiduciary activities
  • $1,087Service charges on deposit accounts
  • $0Trading account gains & fees
  • $370Additional noninterest income
  • $17,317Total noninterest expense
  • $10,185Salaries and employee benefits
  • $3,242Premises and equipment expense
  • $3,890Additional noninterest expense
  • $1,868Pre-tax net operating income
  • -$176Securities gains (losses)
  • $576Applicable income taxes
  • $1,116Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,116Net income attributable to bank
  • $0Net charge-offs
  • $1,116Cash dividends
  • $3,292Sale, conversion, retirement of capital stock, net
  • $6,242Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 3.32%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 0.20%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.27%Pretax return on assets
  • 1.76%Return on equity (ROE)
  • -8.06%Retained earnings to average equity (YTD only)
  • 0.88%Net charge-offs to loans
  • 48.60%Credit loss provision to net charge-offs
  • 1.05%Efficiency ratio
  • 83,204Assets per employee
  • 4.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 559.32%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 26.79%Noncurrent assets plus other real estate owned to assets
  • 2.56%Noncurrent loans to loans
  • 4.20%Net loans and leases to deposits
  • 63.10%Net loans and leases to core deposits
  • 64.74%Equity capital to assets
  • 9.91%Core capital (leverage) ratio
  • 10.12%Tier 1 risk-based capital ratio
  • 16.09%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $624,997Average earning assets
  • $63,588Average equity
  • $581,749Average loans

List of branches

  • 17 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045175Baltimore County Savings Bank4208 Ebenezer Road Ste A, Nottingham, MD 21236April 04, 1955Full Service Brick and Mortar
    101287773517 Belair Plaza Branch517 Bel Air Rd, Bel Air, MD 21014June 30, 1986Full Service Brick and Mortar
    102287774Merritt Boulevard1736 Merritt Blvd, Baltimore, MD 21222June 30, 1986Full Service Brick and Mortar
    104287776Merritt Blvd Branch1736 Merritt Blvd, Baltimore, MD 21222June 30, 1986Full Service Brick and Mortar
    106287778Baltimore National Pike Branch6335 Baltimore National Pike, Catonsville, MD 21228June 30, 1986Full Service Brick and Mortar
    110359540Carney Village Branch9613 Harford Rd, Baltimore, MD 21234Febuary 12, 2001Full Service Brick and Mortar
    11141320Heritage Savings Bank Branch1505 York Rd, Lutherville, MD 21093January 01, 1902Full Service Brick and Mortar
    113267842Baltimore National Pike Branch9416 Baltimore National Pike, Ellicott City, MD 21043January 01, 1902Full Service Brick and Mortar
    114267843Harford Road Branch4228 Harford Rd, Baltimore, MD 21214January 01, 1902Full Service Brick and Mortar
    116437106Sparks Branch109 Sparks Valley Rd, Sparks, MD 21152January 24, 2005Full Service Brick and Mortar
    117438785Honeygo Branch5000 Honeygo Center Drive, Perry Hall, MD 21128Febuary 08, 2005Full Service Brick and Mortar
    118455430Constant Friendship Road Branch402 Constant Friendship Rd, Abingdon, MD 21009June 14, 1999Full Service Brick and Mortar
    119455431Campbell Blvd Branch5430 Campbell Blvd, Baltimore, MD 21236January 31, 2000Full Service Brick and Mortar
    120455432Eastern Blvd Branch515 Eastern Blvd, Baltimore, MD 21221November 15, 1999Full Service Brick and Mortar
    121455433North Fountain Green Road2128 N. Fountain Green Rd, Bel Air, MD 21015April 17, 2000Full Service Brick and Mortar
    122455434Rock Spring Road Branch2105 Rock Spring Rd, Forest Hill, MD 21050July 19, 1999Full Service Brick and Mortar
    123455435Lakeside Blvd Branch9231 Lakeside Blvd, Owings Mills, MD 21117December 27, 2005Full Service Brick and Mortar

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