Saint Casimir's Savings Bank in Baltimore, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches


Saint Casimir's Savings Bank - Overview

  • General
  • FDIC Certificate #: 32327
    Status: Active
    Federal Reserve ID: 523974
    Date Established: August 09, 1911
    WWW: http://www.stcsb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 8148
    FDIC's unique #: 45161
    Numeric code: 42
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: May 30, 1985
    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: 2703 Foster Avenue, Baltimore, MD 21224
    County: Baltimore City
    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: $103.5 mil
    Equity capital: $22.4 mil
    Deposits held in domestic offices: $80.4 mil
    Return on assets (ROA): 0.05% ($0.1 mil)
    Quarterly return on assets: 0.01% ($0.0 mil)
    Return on Equity (ROE): 0.21% ($0.0 mil)
    Quarterly return on equity: 0.04% ($0.0 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.01% ($10.3 mil)
    Quarterly Pretax return on assets: -0.06% (-$62.1 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
  • 22Total employees (full-time equivalent)
  • $103,482Total assets
  • $10,467Cash and due from depository institutions
  • $48Interest-bearing balances
  • $67,167Securities
  • $4,839Federal funds sold & reverse repurchase agreements
  • $15,887Net loans & leases
  • $112Loan loss allowance
  • $0Trading account assets
  • $481Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $103,482Life insurance assets
  • $4,641All other assets
  • $81,047Total liabilities and capital
  • $80,421Total liabilities
  • $80,388Total deposits
  • $80,421Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $626Subordinated debt
  • $22,435All other liabilities
  • $22,435Total equity capital
  • $22,435Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $22,435Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $236Income earned, not collected on loans
  • $0Earning assets
  • $291Long-term assets (5+ years)
  • $87,941Average Assets, year-to-date
  • $47,140Average Assets, quarterly
  • $104,612Volatile liabilities
  • $103,741Insider loans
  • $30,393FHLB advances
  • $104,585Loans and leases held for sale
  • $1,661Unused loan commitments
  • $1,661Tier 1 (core) risk-based capital
  • $22,608Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $236Restructured Loans and leases
  • $1,050Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,072Total interest income
  • $768Total interest expense
  • $2,304Net interest income
  • $0Provision for loan and lease losses
  • $143Total noninterest income
  • $0Fiduciary activities
  • $14Service charges on deposit accounts
  • $0Trading account gains & fees
  • $129Additional noninterest income
  • $2,447Total noninterest expense
  • $1,527Salaries and employee benefits
  • $233Premises and equipment expense
  • $687Additional noninterest expense
  • $0Pre-tax net operating income
  • $6Securities gains (losses)
  • -$42Applicable income taxes
  • $48Income before extraordinary items
  • $0Extraordinary gains - net
  • $48Net income attributable to bank
  • $0Net charge-offs
  • $48Cash dividends
  • -$19Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.42%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 2.56%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • 0.04%Net operating income to assets
  • 0.05%Return on assets (ROA)
  • 0.01%Pretax return on assets
  • 0.21%Return on equity (ROE)
  • 0.21%Retained earnings to average equity (YTD only)
  • -0.12%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 100,000Assets per employee
  • 4.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.70%Loss allowance to noncurrent loans
  • 47.46%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 1.48%Net loans and leases to deposits
  • 19.75%Net loans and leases to core deposits
  • 20.00%Equity capital to assets
  • 21.68%Core capital (leverage) ratio
  • 21.62%Tier 1 risk-based capital ratio
  • 74.39%Total risk-based capital ratio
  • Memoranda
  • $75Average assets
  • $104,612Average earning assets
  • $22,353Average equity
  • $89,896Average loans

List of branches

  • 4 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045161Saint Casimir's Savings Bank2703 Foster Avenue, Baltimore, MD 21224August 09, 1911Full Service Brick and Mortar
    1022877016201 Eastern Ave Branch6201 Eastern Avenue, Baltimore, MD 21224June 30, 1985Full Service Brick and Mortar
    1032877023929 Erdman Ave Branch3929 Erdman Avenue, Baltimore, MD 21213June 30, 1985Full Service Brick and Mortar
    1042877033101 Old No Point Rd Branch3101 North Point Road, Baltimore, MD 21222June 30, 1985Full Service Brick and Mortar

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