Hopkins Federal Savings Bank in Baltimore, Maryland (MD)



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Hopkins Federal Savings Bank
GeneralFDIC Certificate #: 32372
Status: Active
Federal Reserve ID: 644673
Date Established: April 04, 1921
WWW: http://www.hopkinsfsb.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 8196
FDIC's unique #: 45206
Numeric code: 33
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: Yes
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: August 05, 1985
Last Structure Change Effective Date: January 04, 2012
Last Structure Change Process Date: January 11, 2012
Last Data Update: January 11, 2012
Data Source Date: April 05, 2012
LocationAddress: 134 S Eaton Street, 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)
Financial SummaryTotal assets: $350.1 mil
Equity capital: $29.6 mil
Deposits held in domestic offices: $320.1 mil
Return on assets (ROA): 0.40% ($1.4 mil)
Quarterly return on assets: -0.65% (-$2.3 mil)
Return on Equity (ROE): 4.66% ($1.4 mil)
Quarterly return on equity: -7.61% (-$2.3 mil)
Net income: $1.4 mil
Quarterly Net income: -$0.6 mil
Pretax return on assets: 0.40% ($1,400.5 mil)
Quarterly Pretax return on assets: -0.65% (-$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)
Total employees (full-time equivalent)25
Total assets$350,117
Cash and due from depository institutions$92,900
Interest-bearing balances$7,265
Securities$129,430
Federal funds sold & reverse repurchase agreements$31,496
Net loans & leases$92,427
Loan loss allowance $1,090
Trading account assets$0
Bank premises and fixed assets$112
Other real estate owned$934
Goodwill and other intangibles$0
All other assets$2,818
Life insurance assets$350,117
Total liabilities and capital$320,510
Total liabilities$320,129
Total deposits$313,566
Interest-bearing deposits$320,129
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $381
All other liabilities $29,607
Total equity capital$29,607
Total bank equity capital$29,607
Perpetual preferred stock$0
Common stock$320
Surplus$202
Undivided profits $29,085
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5,524
Earning assets $0
Long-term assets (5+ years) $1,253
Average Assets, year-to-date $260,618
Average Assets, quarterly $0
Volatile liabilities $355,458
Insider loans $350,001
FHLB advances $134,466
Loans and leases held for sale $349,725
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $29,215
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $12,880
Derivatives$795
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,357
Total interest expense $6,023
Net interest income $6,334
Provision for loan and lease losses $1,777
Total noninterest income $815
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $815
Total noninterest expense $3,928
Salaries and employee benefits $2,084
Premises and equipment expense $390
Additional noninterest expense $1,454
Pre-tax net operating income $1,444
Securities gains (losses) -$39
Applicable income taxes $0
Income before extraordinary items $1,405
Extraordinary gains - net $0
Net income attributable to bank $1,405
Net charge-offs $0
Cash dividends $1,405
Sale, conversion, retirement of capital stock, net $3,134
Net operating income $953
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.73%
Cost of funding earning assets 1.82%
Net interest margin 1.91%
Noninterest income to earning assets 0.25%
Noninterest expense to earning assets 1.19%
Net operating income to assets 0.41%
Return on assets (ROA) 0.40%
Pretax return on assets 0.40%
Return on equity (ROE) 4.66%
Retained earnings to average equity (YTD only) 1.50%
Net charge-offs to loans 3.09%
Credit loss provision to net charge-offs 56.70%
Efficiency ratio1.03%
Assets per employee$54,945
Cash dividends to net income (YTD only)14.00%
Condition Ratios (%)
Loss allowance to loans 67.83%
Loss allowance to noncurrent loans 1.17%
Noncurrent assets plus other real estate owned to assets 19.73%
Noncurrent loans to loans 1.84%
Net loans and leases to deposits5.91%
Net loans and leases to core deposits 28.87%
Equity capital to assets 30.30%
Core capital (leverage) ratio 8.46%
Tier 1 risk-based capital ratio 8.35%
Total risk-based capital ratio 21.73%
Memoranda
Average assets$23
Average earning assets$355,458
Average equity $30,149
Average loans $330,974
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2 Maryland Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
045206Hopkins Federal Savings Bank134 S Eaton Street, Baltimore, MD 21224April 04, 1921Full Service Brick and Mortar
102287871Reisterstown Road Branch1726 Reisterstown Road, Suite 100, Baltimore, MD 21208October 01, 1995Full Service Brick and Mortar
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