North Arundel Savings Bank, FSB in Pasadena, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • North Arundel Savings Bank, FSB in Pasadena, Maryland (MD)
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North Arundel Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 31109
    Status: Active
    Federal Reserve ID: 809678
    Date Established: January 01, 1956
    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 #: 6390
    FDIC's unique #: 43943
    Numeric code: 34
    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 14, 1959
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 125 Mountain Road, Pasadena, MD 21122
    County: Anne Arundel
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $37.4 mil
    Equity capital: $4.4 mil
    Deposits held in domestic offices: $32.7 mil
    Return on assets (ROA): 0.73% ($0.3 mil)
    Quarterly return on assets: 0.82% ($0.3 mil)
    Return on Equity (ROE): 6.23% ($0.2 mil)
    Quarterly return on equity: 6.99% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.18% ($441.3 mil)
    Quarterly Pretax return on assets: 1.31% ($489.9 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)
  • $37,397Total assets
  • $3,417Cash and due from depository institutions
  • $2,864Interest-bearing balances
  • $6,135Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $27,189Net loans & leases
  • $126Loan loss allowance
  • $0Trading account assets
  • $342Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $37,397Life insurance assets
  • $314All other assets
  • $33,009Total liabilities and capital
  • $32,733Total liabilities
  • $32,576Total deposits
  • $32,733Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $276Subordinated debt
  • $4,388All other liabilities
  • $4,388Total equity capital
  • $4,388Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $4,388Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $58Income earned, not collected on loans
  • $0Earning assets
  • $147Long-term assets (5+ years)
  • $36,188Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $35,801Volatile liabilities
  • $37,034Insider loans
  • $19,382FHLB advances
  • $37,237Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,284Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $468Restructured Loans and leases
  • $834Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,845Total interest income
  • $490Total interest expense
  • $1,355Net interest income
  • $26Provision for loan and lease losses
  • $7Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $7Additional noninterest income
  • $913Total noninterest expense
  • $531Salaries and employee benefits
  • $197Premises and equipment expense
  • $185Additional noninterest expense
  • $423Pre-tax net operating income
  • $0Securities gains (losses)
  • $163Applicable income taxes
  • $260Income before extraordinary items
  • $0Extraordinary gains - net
  • $260Net income attributable to bank
  • $0Net charge-offs
  • $260Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.32%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.02%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 6.23%Return on equity (ROE)
  • 6.23%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,034Assets per employee
  • 5.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.46%Loss allowance to noncurrent loans
  • 217.24%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 83.06%Net loans and leases to core deposits
  • 87.25%Equity capital to assets
  • 11.73%Core capital (leverage) ratio
  • 11.50%Tier 1 risk-based capital ratio
  • 22.10%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $35,801Average earning assets
  • $4,175Average equity
  • $34,711Average loans

List of branches

  • 1 Maryland Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043943North Arundel Savings Bank, Fsb125 Mountain Road, Pasadena, MD 21122January 01, 1956Full Service Brick and Mortar

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