Crestar Bank FSB in Baltimore, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 08, 1996

  • Crestar Bank FSB in Baltimore, Maryland (MD)
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Crestar Bank FSB - Overview

  • General
  • FDIC Certificate #: 28695
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Crestar Bank MD (#9696)
    Federal Reserve ID: 205672
    Date Established: January 01, 1879
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2167
    FDIC's unique #: 41529
    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: April 16, 1935
    Last Structure Change Effective Date: November 08, 1996
    Last Structure Change Process Date: December 09, 1996
    Last Data Update: December 09, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1300 North Charles Street, Baltimore, MD 21201
    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: $2,304.6 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)
  • $501Total assets
  • $2,557,788Cash and due from depository institutions
  • $69,893Interest-bearing balances
  • $23,151Securities
  • $246,926Federal funds sold & reverse repurchase agreements
  • $40,000Net loans & leases
  • $2,048,302Loan loss allowance
  • $15,118Trading account assets
  • $0Bank premises and fixed assets
  • $22,316Other real estate owned
  • $8,323Goodwill and other intangibles
  • $112,452Life insurance assets
  • $9,576All other assets
  • $0Total liabilities and capital
  • $2,557,788Total liabilities
  • $2,397,390Total deposits
  • $1,488,600Interest-bearing deposits
  • $1,458,550Deposits held in domestic offices
  • 1488600.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $119,325Trading liabilities
  • $0Other borrowed funds
  • $741,935Subordinated debt
  • $15,022All other liabilities
  • $32,508Total equity capital
  • $32,508Total bank equity capital
  • $160,398Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $74,934Undivided profits
  • Memoranda
  • $85,364Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,056Income earned, not collected on loans
  • $14,512Earning assets
  • $2,358,379Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $2,525,369Average Assets, quarterly
  • $2,548,443Volatile liabilities
  • $1,010,909Insider loans
  • $12,094FHLB advances
  • $728,801Loans and leases held for sale
  • $0Unused loan commitments
  • $220,726Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $151,443Total risk weighted assets
  • $1,625,556Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $181,330Total interest expense
  • $119,292Net interest income
  • $62,038Provision for loan and lease losses
  • $5,112Total noninterest income
  • $17,923Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $17,923Total noninterest expense
  • $65,467Salaries and employee benefits
  • $31,837Premises and equipment expense
  • $17,526Additional noninterest expense
  • $16,104Pre-tax net operating income
  • $9,382Securities gains (losses)
  • $107Applicable income taxes
  • $15,565Income before extraordinary items
  • -$6,076Extraordinary gains - net
  • $0Net income attributable to bank
  • -$6,076Net charge-offs
  • $3,768Cash 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
  • 7.70%Cost of funding earning assets
  • 5.07%Net interest margin
  • 2.64%Noninterest income to earning assets
  • 0.76%Noninterest expense to earning assets
  • 2.78%Net operating income to assets
  • -0.24%Return on assets (ROA)
  • -0.24%Pretax return on assets
  • 0.38%Return on equity (ROE)
  • -3.83%Retained earnings to average equity (YTD only)
  • -3.83%Net charge-offs to loans
  • 0.18%Credit loss provision to net charge-offs
  • 135.67%Efficiency ratio
  • 81,008Assets per employee
  • 5.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.73%Loss allowance to noncurrent loans
  • 214.26%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 137.60%Net loans and leases to core deposits
  • 152.98%Equity capital to assets
  • 6.27%Core capital (leverage) ratio
  • 5.95%Tier 1 risk-based capital ratio
  • 9.32%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $2,525,369Average earning assets
  • $158,805Average equity
  • $2,353,511Average loans

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