Golden Prague Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 31282 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Bradford Bank (#28312) Federal Reserve ID: 306971 Date Established: January 01, 1912 WWW:http://www.goldenpraguefsl.net Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 6660 FDIC's unique #: 44116 Numeric code: 38 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: May 14, 1962 Last Structure Change Effective Date: June 21, 2007 Last Structure Change Process Date: June 29, 2007 Last Data Update: June 29, 2007 Data Source Date: April 05, 2012
Location
Address: 2921 Mc Elderry St, Baltimore, MD 21205 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: $29.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
6Total employees (full-time equivalent)
$29,144Total assets
$363Cash and due from depository institutions
$65Interest-bearing balances
$5,622Securities
$1,093Federal funds sold & reverse repurchase agreements
$19,844Net loans & leases
$192Loan loss allowance
$0Trading account assets
$246Bank premises and fixed assets
$195Other real estate owned
$0Goodwill and other intangibles
$876Life insurance assets
$1,781All other assets
$29,144Total liabilities and capital
$26,540Total liabilities
$24,380Total deposits
$24,380Interest-bearing deposits
$24,380Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,900Other borrowed funds
$0Subordinated debt
$260All other liabilities
$2,604Total equity capital
$2,604Total bank equity capital
$2,604Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$2,604Noncurrent loans and leases
$33Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$547Earning assets
$0Long-term assets (5+ years)
$123Average Assets, year-to-date
$26,624Average Assets, quarterly
$0Volatile liabilities
$30,799Insider loans
$29,216FHLB advances
$7,858Loans and leases held for sale
$240Unused loan commitments
$1,900Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$33Total unused commitments
$0Restructured Loans and leases
$193Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$1,759Total interest income
$1,065Total interest expense
$694Net interest income
$0Provision for loan and lease losses
$50Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$50Additional noninterest income
$1,141Total noninterest expense
$570Salaries and employee benefits
$283Premises and equipment expense
$288Additional noninterest expense
-$397Pre-tax net operating income
-$18Securities gains (losses)
-$362Applicable income taxes
-$53Income before extraordinary items
$0Extraordinary gains - net
-$53Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$2Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.17%Yield on earning assets
3.74%Cost of funding earning assets
2.44%Net interest margin
0.18%Noninterest income to earning assets
4.00%Noninterest expense to earning assets
-0.13%Net operating income to assets
-0.17%Return on assets (ROA)
-1.35%Pretax return on assets
-1.99%Return on equity (ROE)
-1.99%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
-198.50%Efficiency ratio
153,360Assets per employee
4.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.96%Loss allowance to noncurrent loans
35.10%Noncurrent assets plus other real estate owned to assets
2.55%Noncurrent loans to loans
2.73%Net loans and leases to deposits
81.39%Net loans and leases to core deposits
107.72%Equity capital to assets
8.93%Core capital (leverage) ratio
6.93%Tier 1 risk-based capital ratio
12.76%Total risk-based capital ratio
Memoranda
$14Average assets
$30,799Average earning assets
$2,668Average equity
$28,498Average loans
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Golden Prague Federal Savings and Loan Association
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