The Back and Middle River Federal Savings and Loan Association, Inc.
The Back and Middle River Federal Savings and Loan Association, Inc. in Essex, Maryland (MD) Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of April 07, 2006
The Back and Middle River Federal Savings and Loan Association, Inc. in Essex, Maryland (MD)
The Back and Middle River Federal Savings and Loan Association, Inc. - Overview
General
FDIC Certificate #: 32656 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Madison Bank of Maryland (#32331) Federal Reserve ID: 458375 Date Established: March 01, 1912 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 8577 FDIC's unique #: 45490 Numeric code: 38 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: June 19, 1989 Last Structure Change Effective Date: April 07, 2006 Last Structure Change Process Date: April 25, 2006 Last Data Update: April 25, 2006 Data Source Date: April 05, 2012
Location
Address: 1520 Old Eastern Avenue, Essex, MD 21221 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: $3.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
3Total employees (full-time equivalent)
$3,824Total assets
$463Cash and due from depository institutions
$202Interest-bearing balances
$0Securities
$650Federal funds sold & reverse repurchase agreements
$2,634Net loans & leases
$39Loan loss allowance
$0Trading account assets
$34Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$43All other assets
$3,824Total liabilities and capital
$3,202Total liabilities
$3,198Total deposits
$3,198Interest-bearing deposits
$3,198Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$4All other liabilities
$622Total equity capital
$622Total bank equity capital
$622Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$622Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$174Earning assets
$0Long-term assets (5+ years)
$8Average Assets, year-to-date
$3,486Average Assets, quarterly
$0Volatile liabilities
$4,140Insider loans
$3,913FHLB advances
$989Loans and leases held for sale
$57Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$22Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$202Total interest income
$35Total interest expense
$167Net interest income
$0Provision for loan and lease losses
$3Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$3Additional noninterest income
$185Total noninterest expense
$115Salaries and employee benefits
$15Premises and equipment expense
$55Additional noninterest expense
-$15Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$15Income before extraordinary items
$0Extraordinary gains - net
-$15Net 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, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.60%Yield on earning assets
0.97%Cost of funding earning assets
4.63%Net interest margin
0.08%Noninterest income to earning assets
5.13%Noninterest expense to earning assets
-0.36%Net operating income to assets
-0.36%Return on assets (ROA)
-0.36%Pretax return on assets
-2.37%Return on equity (ROE)
-2.37%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
108,824Assets per employee
1.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.46%Loss allowance to noncurrent loans
22.41%Noncurrent assets plus other real estate owned to assets
4.55%Noncurrent loans to loans
6.51%Net loans and leases to deposits
82.36%Net loans and leases to core deposits
119.24%Equity capital to assets
16.27%Core capital (leverage) ratio
16.27%Tier 1 risk-based capital ratio
35.48%Total risk-based capital ratio
Memoranda
$37Average assets
$4,140Average earning assets
$632Average equity
$3,606Average loans
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The Back and Middle River Federal Savings and Loan Association, Inc.
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