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


  • Hamilton Bank in Baltimore, Maryland (MD)
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Hamilton Bank - Overview

  • General
  • FDIC Certificate #: 28589
    Status: Active
    Federal Reserve ID: 365576
    Date Established: January 01, 1915
    WWW: http://www.hamiltonfsb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 1904
    FDIC's unique #: 41423
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: May 20, 1937
    Last Structure Change Effective Date: January 17, 2012
    Last Structure Change Process Date: January 25, 2012
    Last Data Update: January 25, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 5600 Harford Rd, Baltimore, MD 21214
    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)
  • History of Changes
  • Name Change
    Change in Location
  • Financial Summary
  • Total assets: $320.5 mil
    Equity capital: $36.4 mil
    Deposits held in domestic offices: $282.5 mil
    Return on assets (ROA): 0.39% ($1.3 mil)
    Quarterly return on assets: 0.47% ($1.5 mil)
    Return on Equity (ROE): 3.60% ($1.3 mil)
    Quarterly return on equity: 4.19% ($1.5 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.55% ($1,762.9 mil)
    Quarterly Pretax return on assets: 0.71% ($2,275.8 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
  • 51Total employees (full-time equivalent)
  • $320,529Total assets
  • $20,637Cash and due from depository institutions
  • $16,928Interest-bearing balances
  • $105,411Securities
  • $3,108Federal funds sold & reverse repurchase agreements
  • $174,630Net loans & leases
  • $921Loan loss allowance
  • $0Trading account assets
  • $2,573Bank premises and fixed assets
  • $0Other real estate owned
  • $2,942Goodwill and other intangibles
  • $320,529Life insurance assets
  • $11,228All other assets
  • $284,102Total liabilities and capital
  • $282,479Total liabilities
  • $272,512Total deposits
  • $282,479Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,623Subordinated debt
  • $36,427All other liabilities
  • $36,427Total equity capital
  • $36,427Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $36,427Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,270Income earned, not collected on loans
  • $0Earning assets
  • $1,046Long-term assets (5+ years)
  • $300,077Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $329,067Volatile liabilities
  • $323,398Insider loans
  • $185,522FHLB advances
  • $315,961Loans and leases held for sale
  • $8,234Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,500Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,250Restructured Loans and leases
  • $31Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,700Total interest income
  • $4,232Total interest expense
  • $8,468Net interest income
  • $657Provision for loan and lease losses
  • $516Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $516Additional noninterest income
  • $6,718Total noninterest expense
  • $3,657Salaries and employee benefits
  • $1,563Premises and equipment expense
  • $1,498Additional noninterest expense
  • $1,609Pre-tax net operating income
  • $207Securities gains (losses)
  • $545Applicable income taxes
  • $1,271Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,271Net income attributable to bank
  • $0Net charge-offs
  • $1,271Cash dividends
  • $616Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.12%Yield on earning assets
  • 1.37%Cost of funding earning assets
  • 2.75%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 2.18%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.39%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 3.60%Return on equity (ROE)
  • 3.60%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 106.66%Credit loss provision to net charge-offs
  • 3.68%Efficiency ratio
  • 73,965Assets per employee
  • 6.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.52%Loss allowance to noncurrent loans
  • 12.67%Noncurrent assets plus other real estate owned to assets
  • 2.27%Noncurrent loans to loans
  • 4.14%Net loans and leases to deposits
  • 61.82%Net loans and leases to core deposits
  • 65.48%Equity capital to assets
  • 11.36%Core capital (leverage) ratio
  • 10.29%Tier 1 risk-based capital ratio
  • 17.52%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $329,067Average earning assets
  • $35,296Average equity
  • $308,044Average loans

List of branches

  • 6 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041423Hamilton Bank5600 Harford Rd, Baltimore, MD 21214January 01, 1915Full Service Brick and Mortar
    24311019 W Pennsylvania Ave Branch19 West Pennsylvania Avenue, Towson, MD 21204January 01, 1910Full Service Brick and Mortar
    342652Baltimore/Belair Road Branch6301 Belair Road, Baltimore, MD 21206January 01, 1920Full Service Brick and Mortar
    4365111Cranbrook Road Branch9 Cranbrook Road, Cockeysville, MD 21030August 14, 2000Full Service Brick and Mortar
    52840068108 Jumpers Hole Rd Branch8108 Jumpers Hole Road, Pasadena, MD 21122July 07, 1961Full Service Brick and Mortar
    6521531Administrative Office Branch501 Fairmount Avenue, Suite 200, Towson, MD 21286May 10, 2011Limited Service Administrative

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