Slavie Federal Savings Bank in Bel Air, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Slavie Federal Savings Bank in Bel Air, Maryland (MD)
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Slavie Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 32368
    Status: Active
    Federal Reserve ID: 516378
    Date Established: April 04, 1900
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 8191
    FDIC's unique #: 45202
    Numeric code: 38
    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: July 31, 1985
    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: 1614 Churchville Road, Bel Air, MD 21015
    County: Harford
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $189.1 mil
    Equity capital: $16.2 mil
    Deposits held in domestic offices: $146.9 mil
    Return on assets (ROA): -1.12% (-$2.1 mil)
    Quarterly return on assets: -0.77% (-$1.5 mil)
    Return on Equity (ROE): -13.50% (-$2.2 mil)
    Quarterly return on equity: -9.48% (-$1.5 mil)
    Net income: -$2.2 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -1.95% (-$3,687.9 mil)
    Quarterly Pretax return on assets: -1.35% (-$2,553.2 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
  • 33Total employees (full-time equivalent)
  • $189,125Total assets
  • $40,795Cash and due from depository institutions
  • $39,920Interest-bearing balances
  • $272Securities
  • $1,697Federal funds sold & reverse repurchase agreements
  • $126,059Net loans & leases
  • $5,358Loan loss allowance
  • $0Trading account assets
  • $4,551Bank premises and fixed assets
  • $5,130Other real estate owned
  • $17Goodwill and other intangibles
  • $189,125Life insurance assets
  • $10,604All other assets
  • $172,922Total liabilities and capital
  • $146,915Total liabilities
  • $141,297Total deposits
  • $146,915Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,758Trading liabilities
  • $0Other borrowed funds
  • $249Subordinated debt
  • $16,203All other liabilities
  • $16,203Total equity capital
  • $16,203Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $9,266Surplus
  • $6,937Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,737Income earned, not collected on loans
  • $0Earning assets
  • $626Long-term assets (5+ years)
  • $167,948Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $196,424Volatile liabilities
  • $190,007Insider loans
  • $98,202FHLB advances
  • $188,573Loans and leases held for sale
  • $3,523Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,652Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,950Restructured Loans and leases
  • $1,224Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,679Total interest income
  • $3,712Total interest expense
  • $4,967Net interest income
  • $4,390Provision for loan and lease losses
  • -$219Total noninterest income
  • $0Fiduciary activities
  • $163Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$382Additional noninterest income
  • $4,522Total noninterest expense
  • $2,258Salaries and employee benefits
  • $957Premises and equipment expense
  • $1,307Additional noninterest expense
  • -$4,164Pre-tax net operating income
  • $324Securities gains (losses)
  • -$1,636Applicable income taxes
  • -$2,204Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,204Net income attributable to bank
  • $0Net charge-offs
  • -$2,204Cash dividends
  • $347Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 2.06%Cost of funding earning assets
  • 2.76%Net interest margin
  • -0.12%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • -1.23%Net operating income to assets
  • -1.12%Return on assets (ROA)
  • -1.95%Pretax return on assets
  • -13.50%Return on equity (ROE)
  • -13.50%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 1265.13%Credit loss provision to net charge-offs
  • 0.65%Efficiency ratio
  • 94,924Assets per employee
  • 5.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.08%Loss allowance to noncurrent loans
  • 69.25%Noncurrent assets plus other real estate owned to assets
  • 6.80%Noncurrent loans to loans
  • 5.89%Net loans and leases to deposits
  • 85.80%Net loans and leases to core deposits
  • 91.55%Equity capital to assets
  • 8.57%Core capital (leverage) ratio
  • 8.30%Tier 1 risk-based capital ratio
  • 15.94%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $196,424Average earning assets
  • $16,330Average equity
  • $180,094Average loans

List of branches

  • 2 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045202Slavie Federal Savings Bank1614 Churchville Road, Bel Air, MD 21015April 04, 1900Full Service Brick and Mortar
    102463604Overlea Branch3700 East Northern Parkway, Baltimore, MD 21206June 30, 2002Full Service Brick and Mortar

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