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

This bank is inactive as of May 01, 1997

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

  • General
  • FDIC Certificate #: 31098
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Susquehanna Bank (#29973)
    Federal Reserve ID: 762072
    Date Established: May 15, 1959
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 6376
    FDIC's unique #: 43932
    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: May 15, 1959
    Last Structure Change Effective Date: May 01, 1997
    Last Structure Change Process Date: May 13, 1997
    Last Data Update: May 23, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 11817 Reisterstown Road, Reisterstown, MD 21136
    County: Baltimore
    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: $271.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $73Total assets
  • $268,838Cash and due from depository institutions
  • $10,368Interest-bearing balances
  • $9,091Securities
  • $19,353Federal funds sold & reverse repurchase agreements
  • $10,941Net loans & leases
  • $207,127Loan loss allowance
  • $2,907Trading account assets
  • $0Bank premises and fixed assets
  • $1,473Other real estate owned
  • $2,365Goodwill and other intangibles
  • $5,772Life insurance assets
  • $11,439All other assets
  • $0Total liabilities and capital
  • $268,838Total liabilities
  • $239,071Total deposits
  • $224,709Interest-bearing deposits
  • $215,435Deposits held in domestic offices
  • 224709.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $528Subordinated debt
  • $10,000All other liabilities
  • $3,834Total equity capital
  • $3,834Total bank equity capital
  • $29,767Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $26,905Undivided profits
  • Memoranda
  • $2,861Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,536Income earned, not collected on loans
  • $1,712Earning assets
  • $246,512Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $270,983Average Assets, quarterly
  • $268,349Volatile liabilities
  • $25,007Insider loans
  • $329FHLB advances
  • $528Loans and leases held for sale
  • $0Unused loan commitments
  • $36,745Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $18,086Total risk weighted assets
  • $187,808Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $23,712Total interest expense
  • $12,348Net interest income
  • $11,364Provision for loan and lease losses
  • $0Total noninterest income
  • $1,943Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $1,943Total noninterest expense
  • $7,848Salaries and employee benefits
  • $2,653Premises and equipment expense
  • $816Additional noninterest expense
  • $4,379Pre-tax net operating income
  • $5,459Securities gains (losses)
  • $190Applicable income taxes
  • $2,265Income before extraordinary items
  • $3,384Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,384Net charge-offs
  • $2Cash dividends
  • $2,100Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.57%Cost of funding earning assets
  • 4.99%Net interest margin
  • 4.59%Noninterest income to earning assets
  • 0.78%Noninterest expense to earning assets
  • 3.17%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 2.08%Return on equity (ROE)
  • 11.69%Retained earnings to average equity (YTD only)
  • 4.43%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 52,634Assets per employee
  • 3.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.06%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 189.26%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 0.73%Net loans and leases to deposits
  • 92.18%Net loans and leases to core deposits
  • 103.44%Equity capital to assets
  • 11.07%Core capital (leverage) ratio
  • 7.03%Tier 1 risk-based capital ratio
  • 9.63%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $270,983Average earning assets
  • $28,953Average equity
  • $247,684Average loans

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