FDIC Certificate #: 32559 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Bradford Bank (#28312) Federal Reserve ID: 632371 Date Established: October 22, 1959 WWW:http://www.senatorbank.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 8444 FDIC's unique #: 45393 Numeric code: 34 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: October 22, 1987 Last Structure Change Effective Date: June 21, 2007 Last Structure Change Process Date: June 29, 2007 Last Data Update: June 29, 2007 Data Source Date: April 05, 2012
Location
Address: 9735 York Road, Cockeysville, MD 21030 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: $21.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
5Total employees (full-time equivalent)
$21,103Total assets
$3,574Cash and due from depository institutions
$3,563Interest-bearing balances
$6,303Securities
$2,632Federal funds sold & reverse repurchase agreements
$8,325Net loans & leases
$55Loan loss allowance
$0Trading account assets
$72Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$197All other assets
$21,103Total liabilities and capital
$19,738Total liabilities
$19,729Total deposits
$19,729Interest-bearing deposits
$19,729Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$9All other liabilities
$1,365Total equity capital
$1,365Total bank equity capital
$1,365Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$1,365Noncurrent loans and leases
$500Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$91Average Assets, year-to-date
$20,823Average Assets, quarterly
$0Volatile liabilities
$19,661Insider loans
$20,098FHLB advances
$6,273Loans and leases held for sale
$730Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$500Total unused commitments
$0Restructured Loans and leases
$55Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$1,044Total interest income
$647Total interest expense
$397Net interest income
$110Provision for loan and lease losses
$7Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$7Additional noninterest income
$444Total noninterest expense
$211Salaries and employee benefits
$143Premises and equipment expense
$90Additional noninterest expense
-$150Pre-tax net operating income
$0Securities gains (losses)
-$10Applicable income taxes
-$140Income before extraordinary items
$0Extraordinary gains - net
-$140Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.38%Yield on earning assets
3.33%Cost of funding earning assets
2.05%Net interest margin
0.04%Noninterest income to earning assets
2.29%Noninterest expense to earning assets
-0.71%Net operating income to assets
-0.71%Return on assets (ROA)
-0.76%Pretax return on assets
-9.51%Return on equity (ROE)
-9.51%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
109,901Assets per employee
4.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.66%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
42.20%Net loans and leases to core deposits
61.87%Equity capital to assets
6.47%Core capital (leverage) ratio
6.47%Tier 1 risk-based capital ratio
20.32%Total risk-based capital ratio
Memoranda
$21Average assets
$19,661Average earning assets
$1,472Average equity
$19,406Average loans
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