Wyman Park Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 29631 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Bradford Bank (#28312) Federal Reserve ID: 93178 Date Established: April 01, 1937 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 3780 FDIC's unique #: 42465 Numeric code: 37 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: January 12, 1938 Last Structure Change Effective Date: Febuary 26, 2003 Last Structure Change Process Date: May 15, 2003 Last Data Update: May 15, 2003 Data Source Date: April 05, 2012
Location
Address: 11 West Ridgely Road, Lutherville, MD 21093 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: $69.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
14Total employees (full-time equivalent)
$69,915Total assets
$6,041Cash and due from depository institutions
$5,092Interest-bearing balances
$4,241Securities
$6,545Federal funds sold & reverse repurchase agreements
$51,914Net loans & leases
$284Loan loss allowance
$0Trading account assets
$73Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,101All other assets
$69,915Total liabilities and capital
$60,926Total liabilities
$59,874Total deposits
$57,972Interest-bearing deposits
$59,874Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,052All other liabilities
$8,989Total equity capital
$8,989Total bank equity capital
$8,989Perpetual preferred stock
$0Common stock
$10Surplus
$4,804Undivided profits
Memoranda
$4,175Noncurrent loans and leases
$7,405Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$40Earning assets
$0Long-term assets (5+ years)
$213Average Assets, year-to-date
$67,792Average Assets, quarterly
$0Volatile liabilities
$69,809Insider loans
$69,868FHLB advances
$9,235Loans and leases held for sale
$793Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,405Total unused commitments
$0Restructured Loans and leases
$284Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$4,394Total interest income
$2,160Total interest expense
$2,234Net interest income
$0Provision for loan and lease losses
$163Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$163Additional noninterest income
$1,563Total noninterest expense
$1,034Salaries and employee benefits
$243Premises and equipment expense
$286Additional noninterest expense
$834Pre-tax net operating income
$13Securities gains (losses)
$331Applicable income taxes
$516Income before extraordinary items
$0Extraordinary gains - net
$516Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.48%Yield on earning assets
3.18%Cost of funding earning assets
3.29%Net interest margin
0.24%Noninterest income to earning assets
2.30%Noninterest expense to earning assets
0.73%Net operating income to assets
0.74%Return on assets (ROA)
1.21%Pretax return on assets
5.96%Return on equity (ROE)
5.96%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
834.00%Efficiency ratio
65,207Assets per employee
4.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.54%Loss allowance to noncurrent loans
710.00%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.08%Net loans and leases to deposits
86.71%Net loans and leases to core deposits
102.52%Equity capital to assets
12.86%Core capital (leverage) ratio
12.86%Tier 1 risk-based capital ratio
24.26%Total risk-based capital ratio
Memoranda
$25Average assets
$69,809Average earning assets
$8,663Average equity
$67,842Average loans
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