Jarrettsville Federal Savings and Loan Association in Jarrettsville, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Jarrettsville Federal Savings and Loan Association in Jarrettsville, Maryland (MD)
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Jarrettsville Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 31083
    Status: Active
    Federal Reserve ID: 613978
    Date Established: January 01, 1876
    WWW: http://www.jarrettsvillefederal.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 #: 6351
    FDIC's unique #: 43917
    Numeric code: 38
    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: December 17, 1959
    Last Structure Change Effective Date: Febuary 23, 2012
    Last Structure Change Process Date: Febuary 23, 2012
    Last Data Update: Febuary 23, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 3706 Norrisville Road, Jarrettsville, MD 21084
    County: Harford
    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: $102.9 mil
    Equity capital: $14.4 mil
    Deposits held in domestic offices: $88.3 mil
    Return on assets (ROA): 1.31% ($1.3 mil)
    Quarterly return on assets: 1.41% ($1.5 mil)
    Return on Equity (ROE): 9.29% ($1.3 mil)
    Quarterly return on equity: 9.98% ($1.4 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 2.47% ($2,541.1 mil)
    Quarterly Pretax return on assets: 2.35% ($2,417.6 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
  • 7Total employees (full-time equivalent)
  • $102,877Total assets
  • $9,691Cash and due from depository institutions
  • $6,673Interest-bearing balances
  • $6,679Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $84,829Net loans & leases
  • $250Loan loss allowance
  • $0Trading account assets
  • $646Bank premises and fixed assets
  • $347Other real estate owned
  • $0Goodwill and other intangibles
  • $102,877Life insurance assets
  • $685All other assets
  • $88,443Total liabilities and capital
  • $88,340Total liabilities
  • $86,912Total deposits
  • $88,340Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $103Subordinated debt
  • $14,434All other liabilities
  • $14,434Total equity capital
  • $14,434Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $14,434Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,458Income earned, not collected on loans
  • $0Earning assets
  • $173Long-term assets (5+ years)
  • $98,181Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $98,232Volatile liabilities
  • $101,250Insider loans
  • $53,647FHLB advances
  • $103,144Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,701Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,402Restructured Loans and leases
  • $18Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,667Total interest income
  • $1,062Total interest expense
  • $3,605Net interest income
  • $10Provision for loan and lease losses
  • $10Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10Additional noninterest income
  • $1,182Total noninterest expense
  • $653Salaries and employee benefits
  • $298Premises and equipment expense
  • $231Additional noninterest expense
  • $2,423Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,138Applicable income taxes
  • $1,285Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,285Net income attributable to bank
  • $0Net charge-offs
  • $1,285Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.01%Noninterest income to earning assets
  • 1.26%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 2.47%Pretax return on assets
  • 9.29%Return on equity (ROE)
  • 9.29%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 243.30%Efficiency ratio
  • 32,697Assets per employee
  • 14.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.29%Loss allowance to noncurrent loans
  • 17.15%Noncurrent assets plus other real estate owned to assets
  • 1.75%Noncurrent loans to loans
  • 1.71%Net loans and leases to deposits
  • 96.03%Net loans and leases to core deposits
  • 97.31%Equity capital to assets
  • 14.03%Core capital (leverage) ratio
  • 14.25%Tier 1 risk-based capital ratio
  • 27.40%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $98,232Average earning assets
  • $13,830Average equity
  • $93,803Average loans

List of branches

  • 1 Maryland Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043917Jarrettsville Federal Savings And Lo3706 Norrisville Road, Jarrettsville, MD 21084January 01, 1876Full Service Brick and Mortar

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