Harbor Federal Savings Bank in Baltimore, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 31, 2000

  • Harbor Federal Savings Bank in Baltimore, Maryland (MD)
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Harbor Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 30141
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Provident Bank of Maryland (#15951)
    Federal Reserve ID: 860174
    Date Established: January 01, 1887
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4829
    FDIC's unique #: 42975
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: May 10, 1941
    Last Structure Change Effective Date: August 31, 2000
    Last Structure Change Process Date: September 26, 2000
    Last Data Update: September 26, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 705 York Road, Baltimore, MD 21204
    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: $244.8 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 45Total employees (full-time equivalent)
  • $243,813Total assets
  • $1,684Cash and due from depository institutions
  • $251Interest-bearing balances
  • $59,870Securities
  • $2,773Federal funds sold & reverse repurchase agreements
  • $170,901Net loans & leases
  • $483Loan loss allowance
  • $0Trading account assets
  • $1,700Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $6,885All other assets
  • $243,813Total liabilities and capital
  • $229,141Total liabilities
  • $182,288Total deposits
  • $177,554Interest-bearing deposits
  • $182,288Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $11,160Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $34,500Other borrowed funds
  • $0Subordinated debt
  • $1,193All other liabilities
  • $14,672Total equity capital
  • $14,672Total bank equity capital
  • $14,672Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $11,274Undivided profits
  • Memoranda
  • $3,397Noncurrent loans and leases
  • $11,290Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $777Earning assets
  • $0Long-term assets (5+ years)
  • $807Average Assets, year-to-date
  • $233,795Average Assets, quarterly
  • $0Volatile liabilities
  • $238,965Insider loans
  • $252,207FHLB advances
  • $68,367Loans and leases held for sale
  • $506Unused loan commitments
  • $34,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $11,290Total unused commitments
  • $0Restructured Loans and leases
  • $645Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $16,888Total interest income
  • $10,660Total interest expense
  • $6,228Net interest income
  • $55Provision for loan and lease losses
  • $939Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $939Additional noninterest income
  • $4,342Total noninterest expense
  • $2,783Salaries and employee benefits
  • $690Premises and equipment expense
  • $869Additional noninterest expense
  • $2,770Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,188Applicable income taxes
  • $1,582Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,582Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $113Sale, conversion, retirement of capital stock, net
  • $8,000Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.38%Yield on earning assets
  • 4.66%Cost of funding earning assets
  • 2.72%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 1.90%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 8.47%Return on equity (ROE)
  • -34.37%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 48.67%Credit loss provision to net charge-offs
  • 25.00%Efficiency ratio
  • 60,583Assets per employee
  • 5.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 505.69%Loss allowance to loans
  • 0.28%Loss allowance to noncurrent loans
  • 62.16%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.45%Net loans and leases to deposits
  • 93.75%Net loans and leases to core deposits
  • 107.09%Equity capital to assets
  • 6.02%Core capital (leverage) ratio
  • 7.02%Tier 1 risk-based capital ratio
  • 14.29%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $238,965Average earning assets
  • $18,671Average equity
  • $228,812Average loans

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