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

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

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 25Total employees (full-time equivalent)
  • $350,117Total assets
  • $92,900Cash and due from depository institutions
  • $7,265Interest-bearing balances
  • $129,430Securities
  • $31,496Federal funds sold & reverse repurchase agreements
  • $92,427Net loans & leases
  • $1,090Loan loss allowance
  • $0Trading account assets
  • $112Bank premises and fixed assets
  • $934Other real estate owned
  • $0Goodwill and other intangibles
  • $350,117Life insurance assets
  • $2,818All other assets
  • $320,510Total liabilities and capital
  • $320,129Total liabilities
  • $313,566Total deposits
  • $320,129Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $381Subordinated debt
  • $29,607All other liabilities
  • $29,607Total equity capital
  • $29,607Total bank equity capital
  • $0Perpetual preferred stock
  • $320Common stock
  • $202Surplus
  • $29,085Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,524Income earned, not collected on loans
  • $0Earning assets
  • $1,253Long-term assets (5+ years)
  • $260,618Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $355,458Volatile liabilities
  • $350,001Insider loans
  • $134,466FHLB advances
  • $349,725Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $29,215Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,880Restructured Loans and leases
  • $795Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,357Total interest income
  • $6,023Total interest expense
  • $6,334Net interest income
  • $1,777Provision for loan and lease losses
  • $815Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $815Additional noninterest income
  • $3,928Total noninterest expense
  • $2,084Salaries and employee benefits
  • $390Premises and equipment expense
  • $1,454Additional noninterest expense
  • $1,444Pre-tax net operating income
  • -$39Securities gains (losses)
  • $0Applicable income taxes
  • $1,405Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,405Net income attributable to bank
  • $0Net charge-offs
  • $1,405Cash dividends
  • $3,134Sale, conversion, retirement of capital stock, net
  • $953Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.73%Yield on earning assets
  • 1.82%Cost of funding earning assets
  • 1.91%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 1.19%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 4.66%Return on equity (ROE)
  • 1.50%Retained earnings to average equity (YTD only)
  • 3.09%Net charge-offs to loans
  • 56.70%Credit loss provision to net charge-offs
  • 1.03%Efficiency ratio
  • 54,945Assets per employee
  • 14.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.83%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 19.73%Noncurrent assets plus other real estate owned to assets
  • 1.84%Noncurrent loans to loans
  • 5.91%Net loans and leases to deposits
  • 28.87%Net loans and leases to core deposits
  • 30.30%Equity capital to assets
  • 8.46%Core capital (leverage) ratio
  • 8.35%Tier 1 risk-based capital ratio
  • 21.73%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $355,458Average earning assets
  • $30,149Average equity
  • $330,974Average loans

List of branches

  • 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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