Prince George's Federal Savings Bank in Upper Marlboro, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Prince George's Federal Savings Bank in Upper Marlboro, Maryland (MD)
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Prince George's Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 28969
    Status: Active
    Federal Reserve ID: 747172
    Date Established: January 01, 1931
    WWW: http://www.pgfsb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 2703
    FDIC's unique #: 41803
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: October 28, 1953
    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: 14804 Pratt Street, Upper Marlboro, MD 20772
    County: Prince George's
    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: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47894)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $100.8 mil
    Equity capital: $12.2 mil
    Deposits held in domestic offices: $88.5 mil
    Return on assets (ROA): 0.26% ($0.3 mil)
    Quarterly return on assets: -0.23% (-$0.2 mil)
    Return on Equity (ROE): 2.08% ($0.2 mil)
    Quarterly return on equity: -1.88% (-$0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.42% ($423.4 mil)
    Quarterly Pretax return on assets: -0.23% (-$231.8 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
  • 24Total employees (full-time equivalent)
  • $100,801Total assets
  • $15,923Cash and due from depository institutions
  • $15,446Interest-bearing balances
  • $1Securities
  • $85Federal funds sold & reverse repurchase agreements
  • $81,153Net loans & leases
  • $789Loan loss allowance
  • $0Trading account assets
  • $1,178Bank premises and fixed assets
  • $615Other real estate owned
  • $0Goodwill and other intangibles
  • $100,801Life insurance assets
  • $1,846All other assets
  • $88,620Total liabilities and capital
  • $88,512Total liabilities
  • $76,620Total deposits
  • $88,512Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $108Subordinated debt
  • $12,181All other liabilities
  • $12,181Total equity capital
  • $12,181Total bank equity capital
  • $0Perpetual preferred stock
  • $902Common stock
  • $3,990Surplus
  • $7,289Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,077Income earned, not collected on loans
  • $0Earning assets
  • $316Long-term assets (5+ years)
  • $96,685Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $98,928Volatile liabilities
  • $99,898Insider loans
  • $58,824FHLB advances
  • $100,801Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,181Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,184Restructured Loans and leases
  • $3,437Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,773Total interest income
  • $898Total interest expense
  • $3,875Net interest income
  • $1,147Provision for loan and lease losses
  • $44Total noninterest income
  • $0Fiduciary activities
  • $43Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1Additional noninterest income
  • $2,352Total noninterest expense
  • $1,150Salaries and employee benefits
  • $717Premises and equipment expense
  • $485Additional noninterest expense
  • $420Pre-tax net operating income
  • -$4Securities gains (losses)
  • $162Applicable income taxes
  • $254Income before extraordinary items
  • $0Extraordinary gains - net
  • $254Net income attributable to bank
  • $0Net charge-offs
  • $254Cash dividends
  • $797Sale, conversion, retirement of capital stock, net
  • $271Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.05%Noninterest income to earning assets
  • 2.48%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.26%Return on assets (ROA)
  • 0.42%Pretax return on assets
  • 2.08%Return on equity (ROE)
  • -0.14%Retained earnings to average equity (YTD only)
  • 0.96%Net charge-offs to loans
  • 143.91%Credit loss provision to net charge-offs
  • 1.97%Efficiency ratio
  • 60,015Assets per employee
  • 4.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 106.69%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 25.64%Noncurrent assets plus other real estate owned to assets
  • 3.66%Noncurrent loans to loans
  • 3.76%Net loans and leases to deposits
  • 91.69%Net loans and leases to core deposits
  • 97.79%Equity capital to assets
  • 12.08%Core capital (leverage) ratio
  • 12.08%Tier 1 risk-based capital ratio
  • 20.71%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $98,928Average earning assets
  • $12,224Average equity
  • $94,749Average loans

List of branches

  • 3 Maryland Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041803Prince George's Federal Savings Bank14804 Pratt Street, Upper Marlboro, MD 20772January 01, 1931Full Service Brick and Mortar
    1271969Lyons Creek Branch2807 Chesapeake Beach Road West, Dunkirk, MD 20754July 09, 1998Full Service Brick and Mortar
    2432274Huntingtown Branch4009 Old Town Road, Huntingtown, MD 20639July 19, 2004Full Service Brick and Mortar

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