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

This bank is inactive as of September 10, 2004

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

  • General
  • FDIC Certificate #: 28270
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Northwest Savings Bank (#28178)
    Federal Reserve ID: 704175
    Date Established: January 01, 1923
    WWW: http://www.leedsfsb.com
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 1272
    FDIC's unique #: 41104
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: November 20, 1935
    Last Structure Change Effective Date: September 10, 2004
    Last Structure Change Process Date: September 23, 2004
    Last Data Update: September 23, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 1101 Maiden Choice Lane, Baltimore, MD 21229
    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: $467.5 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, 2003)

  • Dollar figures in thousands
  • 33Total employees (full-time equivalent)
  • $465,697Total assets
  • $20,456Cash and due from depository institutions
  • $2,245Interest-bearing balances
  • $136,956Securities
  • $50,000Federal funds sold & reverse repurchase agreements
  • $229,972Net loans & leases
  • $579Loan loss allowance
  • $0Trading account assets
  • $2,193Bank premises and fixed assets
  • $1,920Other real estate owned
  • $11,843Goodwill and other intangibles
  • $0Life insurance assets
  • $12,357All other assets
  • $465,697Total liabilities and capital
  • $426,495Total liabilities
  • $422,903Total deposits
  • $421,130Interest-bearing deposits
  • $422,903Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $3,592All other liabilities
  • $39,202Total equity capital
  • $39,202Total bank equity capital
  • $39,202Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $15,000Undivided profits
  • Memoranda
  • $24,201Noncurrent loans and leases
  • $25,281Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $416Earning assets
  • $0Long-term assets (5+ years)
  • $788Average Assets, year-to-date
  • $419,173Average Assets, quarterly
  • $0Volatile liabilities
  • $463,301Insider loans
  • $464,675FHLB advances
  • $154,539Loans and leases held for sale
  • $369Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $24,291Total unused commitments
  • $0Restructured Loans and leases
  • $2,341Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $15,808Total interest income
  • $10,187Total interest expense
  • $5,621Net interest income
  • $38Provision for loan and lease losses
  • $812Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $812Additional noninterest income
  • $25,420Total noninterest expense
  • $6,354Salaries and employee benefits
  • $493Premises and equipment expense
  • $18,573Additional noninterest expense
  • -$19,025Pre-tax net operating income
  • $0Securities gains (losses)
  • -$681Applicable income taxes
  • -$18,344Income before extraordinary items
  • $0Extraordinary gains - net
  • -$18,344Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $16Sale, conversion, retirement of capital stock, net
  • $40,447Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.71%Yield on earning assets
  • 2.39%Cost of funding earning assets
  • 1.32%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 5.96%Noninterest expense to earning assets
  • -3.96%Net operating income to assets
  • -3.96%Return on assets (ROA)
  • -4.11%Pretax return on assets
  • -40.96%Return on equity (ROE)
  • -131.26%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 237.50%Credit loss provision to net charge-offs
  • -1186.69%Efficiency ratio
  • 132,473Assets per employee
  • 14.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -220.49%Loss allowance to loans
  • 0.25%Loss allowance to noncurrent loans
  • 139.18%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 54.38%Net loans and leases to core deposits
  • 85.69%Equity capital to assets
  • 8.42%Core capital (leverage) ratio
  • 5.70%Tier 1 risk-based capital ratio
  • 10.32%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $463,301Average earning assets
  • $44,788Average equity
  • $426,155Average loans

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