FDIC Certificate #: 31267 Status: Active Federal Reserve ID: 359472 Date Established: January 01, 1916 WWW:http://www.homewoodfsb.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 6639 FDIC's unique #: 44101 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: March 08, 1962 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 3228-30 Eastern Ave, Baltimore, MD 21224 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
Change in Primary Regulatory Agency
Financial Summary
Total assets: $74.0 mil Equity capital: $13.4 mil Deposits held in domestic offices: $60.4 mil Return on assets (ROA): 0.69% ($0.5 mil) Quarterly return on assets: 0.46% ($0.3 mil) Return on Equity (ROE): 3.92% ($0.5 mil) Quarterly return on equity: 2.55% ($0.3 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.25% ($925.5 mil) Quarterly Pretax return on assets: 1.17% ($866.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$74,036Total assets
$16,931Cash and due from depository institutions
$16,725Interest-bearing balances
$3,885Securities
$0Federal funds sold & reverse repurchase agreements
$52,233Net loans & leases
$226Loan loss allowance
$0Trading account assets
$383Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$74,036Life insurance assets
$604All other assets
$60,662Total liabilities and capital
$60,413Total liabilities
$60,131Total deposits
$60,413Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$249Subordinated debt
$13,374All other liabilities
$13,374Total equity capital
$13,374Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$13,374Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,676Income earned, not collected on loans
$0Earning assets
$233Long-term assets (5+ years)
$72,843Average Assets, year-to-date
$0Average Assets, quarterly
$75,016Volatile liabilities
$74,158Insider loans
$37,930FHLB advances
$74,036Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,374Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$41Restructured Loans and leases
$183Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,383Total interest income
$1,073Total interest expense
$2,310Net interest income
$187Provision for loan and lease losses
$38Total noninterest income
$0Fiduciary activities
$4Service charges on deposit accounts
$0Trading account gains & fees
$34Additional noninterest income
$1,226Total noninterest expense
$691Salaries and employee benefits
$165Premises and equipment expense
$370Additional noninterest expense
$935Pre-tax net operating income
$0Securities gains (losses)
$421Applicable income taxes
$514Income before extraordinary items
$0Extraordinary gains - net
$514Net income attributable to bank
$0Net charge-offs
$514Cash dividends
$514Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.60%Yield on earning assets
1.46%Cost of funding earning assets
3.14%Net interest margin
0.05%Noninterest income to earning assets
1.67%Noninterest expense to earning assets
0.69%Net operating income to assets
0.69%Return on assets (ROA)
1.25%Pretax return on assets
3.92%Return on equity (ROE)
3.92%Retained earnings to average equity (YTD only)
0.97%Net charge-offs to loans
36.38%Credit loss provision to net charge-offs
2.18%Efficiency ratio
52,215Assets per employee
9.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.43%Loss allowance to noncurrent loans
13.48%Noncurrent assets plus other real estate owned to assets
2.26%Noncurrent loans to loans
3.19%Net loans and leases to deposits
86.46%Net loans and leases to core deposits
87.36%Equity capital to assets
18.06%Core capital (leverage) ratio
18.06%Tier 1 risk-based capital ratio
35.26%Total risk-based capital ratio
Memoranda
$36Average assets
$75,016Average earning assets
$13,101Average equity
$73,484Average loans
List of branches
1 Maryland Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
44101
Homewood Federal Savings Bank
3228-30 Eastern Ave, Baltimore, MD 21224
January 01, 1916
Full Service Brick and Mortar
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