New Windsor State Bank in New Windsor, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • New Windsor State Bank in New Windsor, Maryland (MD)
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New Windsor State Bank - Overview

  • General
  • FDIC Certificate #: 5866
    Status: Active
    Federal Reserve ID: 57228
    Bank Holding Company (Regulatory Top Holder): New Windsor Bancorp, Inc. (RSSDID: 2520913, Location: New Windsor, MD)
    Date Established: September 03, 1932
    WWW: http://www.neindsorbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 4007
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 213 Main Street, New Windsor, MD 21776
    County: Carroll
    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
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $262.6 mil
    Equity capital: $22.2 mil
    Deposits held in domestic offices: $239.2 mil
    Return on assets (ROA): -0.63% (-$1.7 mil)
    Quarterly return on assets: -2.25% (-$5.9 mil)
    Return on Equity (ROE): -6.97% (-$1.5 mil)
    Quarterly return on equity: -25.74% (-$5.7 mil)
    Net income: -$1.6 mil
    Quarterly Net income: -$1.5 mil
    Pretax return on assets: -1.04% (-$2,731.0 mil)
    Quarterly Pretax return on assets: -3.69% (-$9,689.8 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
  • 80Total employees (full-time equivalent)
  • $262,595Total assets
  • $27,398Cash and due from depository institutions
  • $21,271Interest-bearing balances
  • $22,801Securities
  • $3,955Federal funds sold & reverse repurchase agreements
  • $195,018Net loans & leases
  • $4,322Loan loss allowance
  • $0Trading account assets
  • $6,828Bank premises and fixed assets
  • $1,843Other real estate owned
  • $0Goodwill and other intangibles
  • $262,595Life insurance assets
  • $4,752All other assets
  • $240,395Total liabilities and capital
  • $239,188Total liabilities
  • $196,770Total deposits
  • $239,188Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 637.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $570Subordinated debt
  • $22,200All other liabilities
  • $22,200Total equity capital
  • $22,200Total bank equity capital
  • $0Perpetual preferred stock
  • $450Common stock
  • $18,500Surplus
  • $3,250Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,703Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,974Income earned, not collected on loans
  • $523Earning assets
  • $675Long-term assets (5+ years)
  • $243,045Average Assets, year-to-date
  • $40,819Average Assets, quarterly
  • $259,942Volatile liabilities
  • $262,667Insider loans
  • $192,290FHLB advances
  • $261,852Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,113Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,956Restructured Loans and leases
  • $2,077Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,044Total interest income
  • $3,221Total interest expense
  • $8,823Net interest income
  • $3,465Provision for loan and lease losses
  • $797Total noninterest income
  • $0Fiduciary activities
  • $838Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$41Additional noninterest income
  • $9,397Total noninterest expense
  • $4,797Salaries and employee benefits
  • $1,887Premises and equipment expense
  • $2,713Additional noninterest expense
  • -$3,242Pre-tax net operating income
  • $539Securities gains (losses)
  • -$1,068Applicable income taxes
  • -$1,635Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,635Net income attributable to bank
  • $0Net charge-offs
  • -$1,635Cash dividends
  • $1,453Sale, conversion, retirement of capital stock, net
  • $52Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 3.67%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 3.91%Noninterest expense to earning assets
  • -0.76%Net operating income to assets
  • -0.63%Return on assets (ROA)
  • -1.04%Pretax return on assets
  • -6.97%Return on equity (ROE)
  • -7.19%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • 238.47%Credit loss provision to net charge-offs
  • 0.15%Efficiency ratio
  • 97,682Assets per employee
  • 3.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -3.18%Loss allowance to loans
  • 2.17%Loss allowance to noncurrent loans
  • 48.16%Noncurrent assets plus other real estate owned to assets
  • 4.12%Noncurrent loans to loans
  • 4.50%Net loans and leases to deposits
  • 81.53%Net loans and leases to core deposits
  • 88.85%Equity capital to assets
  • 8.45%Core capital (leverage) ratio
  • 8.06%Tier 1 risk-based capital ratio
  • 10.98%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $259,942Average earning assets
  • $23,459Average equity
  • $240,137Average loans

List of branches

  • 7 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04007New Windsor State Bank213 Main Street, New Windsor, MD 21776September 03, 1932Full Service Brick and Mortar
    1359993Westminster BranchCollege Square Shopping Center, Westminster, MD 21158July 10, 2000Full Service Brick and Mortar
    2419667Loan Center Branch181 E. Main Street, Westminster, MD 21157November 30, 2001Limited Service Loan Production
    3422923Twin Arch Branch1001 Twin Arch Road, Mount Airy, MD 21771September 08, 2003Full Service Brick and Mortar
    4445699Taneytown Branch222 East Baltimore Street, Taneytown, MD 21787October 31, 2005Full Service Brick and Mortar
    5450844Market Place Branch810 Market Street, Westminster, MD 21157April 10, 2006Full Service Brick and Mortar
    6510734North Carroll Branch2305 Hanover Pike, Hampstead, MD 21074December 11, 2009Full Service Brick and Mortar

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