OBA Bank in city_name, state_name - Detailed Financial Reports, Location

OBA Bank in Germantown, Maryland (MD)
Show street view No street view available for this location

OBA Bank - Overview

General
FDIC Certificate #: 27889
Status: Active
Federal Reserve ID: 648671
Date Established: June 01, 1861
WWW: http://www.obabank.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 489
FDIC's unique #: 40723
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: October 05, 1950
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: 20300 Seneca Meadows Parkway, Germantown, MD 20876
County: Montgomery
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): Washington, DC-MD-VA-WV (#8840)
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): Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
CBSA Metro Statistical Area: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
Core Based Statistical Division: Bethesda-Rockville-Frederick, MD (#13644)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $382.0 mil
Equity capital: $59.8 mil
Deposits held in domestic offices: $264.6 mil
Return on assets (ROA): 0.15% ($0.6 mil)
Quarterly return on assets: 0.12% ($0.5 mil)
Return on Equity (ROE): 0.93% ($0.6 mil)
Quarterly return on equity: 0.79% ($0.5 mil)
Net income: $0.6 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.20% ($764.1 mil)
Quarterly Pretax return on assets: 0.17% ($649.4 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
66Total employees (full-time equivalent)
$382,028Total assets
$27,354Cash and due from depository institutions
$23,663Interest-bearing balances
$43,298Securities
$10,608Federal funds sold & reverse repurchase agreements
$278,971Net loans & leases
$2,529Loan loss allowance
$0Trading account assets
$6,344Bank premises and fixed assets
$74Other real estate owned
$83Goodwill and other intangibles
$382,028Life insurance assets
$15,296All other assets
$322,253Total liabilities and capital
$264,621Total liabilities
$233,716Total deposits
$264,621Interest-bearing deposits
$83Deposits held in domestic offices
5000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$50,673Trading liabilities
$0Other borrowed funds
$1,959Subordinated debt
$59,775All other liabilities
$59,775Total equity capital
$59,775Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$23,125Surplus
$36,649Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,624Income earned, not collected on loans
$0Earning assets
$1,163Long-term assets (5+ years)
$356,540Average Assets, year-to-date
$0Average Assets, quarterly
$375,102Volatile liabilities
$389,401Insider loans
$252,541FHLB advances
$380,919Loans and leases held for sale
$8,751Unused loan commitments
$0Tier 1 (core) risk-based capital
$59,098Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$75,316Restructured Loans and leases
$227Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,970Total interest income
$4,235Total interest expense
$11,735Net interest income
$712Provision for loan and lease losses
$1,042Total noninterest income
$0Fiduciary activities
$127Service charges on deposit accounts
$6Trading account gains & fees
$909Additional noninterest income
$11,331Total noninterest expense
$7,133Salaries and employee benefits
$1,585Premises and equipment expense
$2,613Additional noninterest expense
$734Pre-tax net operating income
$0Securities gains (losses)
$182Applicable income taxes
$552Income before extraordinary items
$0Extraordinary gains - net
$552Net income attributable to bank
$0Net charge-offs
$552Cash dividends
$352Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.57%Yield on earning assets
1.21%Cost of funding earning assets
3.36%Net interest margin
0.30%Noninterest income to earning assets
3.24%Noninterest expense to earning assets
0.15%Net operating income to assets
0.15%Return on assets (ROA)
0.20%Pretax return on assets
0.93%Return on equity (ROE)
0.93%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
202.27%Credit loss provision to net charge-offs
4.11%Efficiency ratio
88,683Assets per employee
5.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.90%Loss allowance to noncurrent loans
38.18%Noncurrent assets plus other real estate owned to assets
1.75%Noncurrent loans to loans
2.35%Net loans and leases to deposits
105.42%Net loans and leases to core deposits
115.62%Equity capital to assets
15.65%Core capital (leverage) ratio
15.51%Tier 1 risk-based capital ratio
23.40%Total risk-based capital ratio
Memoranda
$24Average assets
$375,102Average earning assets
$59,075Average equity
$349,530Average loans

List of branches

6 Maryland Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	40723	Oba Bank	20300 Seneca Meadows Parkway, Germantown, MD 20876	June 01, 1861	Full Service Brick and Mortar
2	363185	River Road Branch	5229 River Road, Bethesda, MD 20816	March 01, 2001	Full Service Brick and Mortar
3	366143	18523 N. Frederick Avenue Branch	18523 N. Frederick Avenue, Gaithersburg, MD 20879	January 01, 1987	Full Service Brick and Mortar
4	366144	20300 Seneca Meadows Parkway Branch	20300 Seneca Meadows Parkway, Germantown, MD 20876	June 01, 2002	Full Service Brick and Mortar
5	495698	Little Patuxent Branch	10840 Little Patuxent Parkway, Columbia, MD 21044	July 21, 2008	Full Service Brick and Mortar
6	519697	Rockville Branch	451 E Hungerford Drive Suite 101, Rockville, MD 20850	May 24, 2011	Full Service Brick and Mortar

OBA Bank in Germantown, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

OBA Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

OBA Bank in Germantown, Maryland (MD)Overview, Financial Summary, Detailed Financial Reports, Branches

OBA Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

OBA Bank in Germantown, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches