Capital Savings Bank, FSB in Timonium, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 29, 1994

  • Capital Savings Bank, FSB in Timonium, Maryland (MD)
  • Show street view No street view available for this location

Capital Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 29931
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Washington Federal Savings Bank (#27673)
    Federal Reserve ID: 675873
    Date Established: January 01, 1907
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4365
    FDIC's unique #: 42765
    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: January 20, 1950
    Last Structure Change Effective Date: July 29, 1994
    Last Structure Change Process Date: August 15, 1994
    Last Data Update: August 15, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 2219 York Road, Timonium, MD 21093
    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: $55.2 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)
  • $20Total assets
  • $58,251Cash and due from depository institutions
  • $13,111Interest-bearing balances
  • $12,925Securities
  • $1,686Federal funds sold & reverse repurchase agreements
  • $1,893Net loans & leases
  • $39,567Loan loss allowance
  • $209Trading account assets
  • $0Bank premises and fixed assets
  • $172Other real estate owned
  • $65Goodwill and other intangibles
  • $1,757Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $58,251Total liabilities
  • $52,551Total deposits
  • $51,639Interest-bearing deposits
  • $49,864Deposits held in domestic offices
  • 51639.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $912Total equity capital
  • $912Total bank equity capital
  • $5,700Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $1,232Undivided profits
  • Memoranda
  • $4,368Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $146Income earned, not collected on loans
  • $257Earning assets
  • $56,071Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $59,758Average Assets, quarterly
  • $58,656Volatile liabilities
  • $3,991Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $180Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,700Total risk weighted assets
  • $33,263Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,961Total interest expense
  • $2,164Net interest income
  • $2,797Provision for loan and lease losses
  • $120Total noninterest income
  • $181Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $181Total noninterest expense
  • $1,699Salaries and employee benefits
  • $750Premises and equipment expense
  • $307Additional noninterest expense
  • $642Pre-tax net operating income
  • $1,159Securities gains (losses)
  • $0Applicable income taxes
  • $468Income before extraordinary items
  • $691Extraordinary gains - net
  • $96Net income attributable to bank
  • $787Net charge-offs
  • $70Cash dividends
  • $269Sale, 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
  • 8.63%Cost of funding earning assets
  • 3.76%Net interest margin
  • 4.87%Noninterest income to earning assets
  • 0.31%Noninterest expense to earning assets
  • 2.96%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 2.10%Return on equity (ROE)
  • 14.58%Retained earnings to average equity (YTD only)
  • 9.60%Net charge-offs to loans
  • 0.16%Credit loss provision to net charge-offs
  • 171.43%Efficiency ratio
  • 57,052Assets per employee
  • 2.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.18%Loss allowance to loans
  • 0.53%Loss allowance to noncurrent loans
  • 143.15%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 76.62%Net loans and leases to core deposits
  • 83.04%Equity capital to assets
  • 9.79%Core capital (leverage) ratio
  • 9.79%Tier 1 risk-based capital ratio
  • 17.14%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $59,758Average earning assets
  • $5,398Average equity
  • $57,487Average loans

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