Hopkins Federal Savings Bank

Report generated from DepositInsuredBanks.com
DepositInsuredBanks.com


Overview

FDIC Cert 32372
Address
134 S Eaton Street, Baltimore, MD 21224
FDIC Unique Number 45206
Federal Reserve ID 644673
Federal Reserve ID for Bank Holding Company 0
OCC Charter Number 708196
OTS Docket Number 8196
MSA Baltimore, MD
County Baltimore City
Website http://hopkinsfsb.com
Established On 04/04/1921
Insured On 08/05/1985
Holding Company
Regulator Office of the Comptroller of the Currency
Asset Concentration Other Specialized < $1 Billion
Ownership Type
Domestic Offices 2
Foreign Offices
Bank Charter Class SA - Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)

Recent Changes

Financial Snapshot

USD, Thousands
Total Assets 239,659
Total Deposits 203,442
Domestic Deposits 203,442
Bank Equity Capital 34,367
Year to Date Quarterly
Net Income USD, 000 612 125
Return on Assets 0.33% 0.21%
Return on Equity 2.38% 1.46%
Pre-Tax Return on Assets 0.33% 0.21%
as of 09/30/2015

Financial Health

As of 09/30/2015
Low Risk

The Texas ratio is a measure of a bank's credit troubles. It is a way to measure how risky a bank is. The higher the Texas ratio, the more severe the credit troubles. Any bank with a TX Ratio near or greater than 100% is considered at risk. Developed by Gerard Cassidy and others at RBC Capital Markets, it is calculated by dividing the value of the lender's non-performing assets (Non performing loans + Real Estate Owned) by the sum of its tangible common equity capital and loan loss reserves.

Hopkins Federal Savings Bank has a texas ratio of 14.91 which puts it at low risk. As of 09/30/2015 the bank had $5,157 Non Current Loans and Leases, $251 Other Real Estate Owned, $34,520 Total Equity Capital and $1,759 Loan Loss Allowance.

Historical Texas Ratios

Date Non Current Loans and Leases Other Real Estate Owned Total Equity Capital Loan Loss Allowance TX Ratio
09/30/2015 $5,157 $251 $34,520 $1,759 14.91
06/30/2015 $6,634 $372 $34,228 $1,766 19.46
03/31/2015 $8,635 $368 $34,774 $1,772 24.63
12/31/2014 $2,383 $147 $34,140 $1,810 7.04
09/30/2014 $3,573 $147 $33,220 $1,774 10.63
06/30/2014 $3,685 $170 $33,086 $1,530 11.14
03/31/2014 $4,719 $282 $32,892 $1,036 14.74
12/31/2013 $3,445 $279 $32,319 $980 11.18
09/30/2013 $3,089 $678 $32,369 $1,166 11.23
06/30/2013 $3,582 $702 $32,277 $1,047 12.86
03/31/2013 $3,202 $1,099 $32,420 $1,069 12.84
12/31/2012 $4,311 $1,298 $31,477 $1,058 17.24
09/30/2012 $4,670 $473 $31,030 $1,131 15.99
06/30/2012 $3,825 $696 $30,003 $1,422 14.39
03/31/2012 $6,096 $868 $30,044 $1,503 22.07
12/31/2011 $5,524 $934 $29,362 $1,537 20.9
09/30/2011 $6,345 $935 $30,293 $1,556 22.86
06/30/2011 $8,631 $634 $30,362 $2,098 28.54
03/31/2011 $10,172 $150 $30,631 $2,094 31.54
12/31/2010 $7,448 $257 $29,853 $2,447 23.85
09/30/2010 $5,631 $304 $30,093 $2,443 18.24
06/30/2010 $5,173 $364 $29,719 $2,173 17.36
03/31/2010 $6,646 $346 $29,915 $1,903 21.97
12/31/2009 $4,742 $120 $28,742 $1,896 15.87
09/30/2009 $5,043 $120 $28,527 $1,546 17.17
06/30/2009 $3,157 $524 $27,592 $1,403 12.7
03/31/2009 $3,047 $407 $26,961 $1,397 12.18

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Assets and Liabilities

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total employees (full-time equivalent) 32 32 32 30 30 Chart
Total Assets 239,659 246,585 256,982 256,497 266,591 Chart
Cash & Balances due from depository institutions 109,661 99,218 98,665 86,224 88,345 Chart
Interest-bearing balances 109,487 99,031 98,502 86,017 88,158 Chart
Securities 70,878 82,738 89,400 102,099 105,409 Chart
Federal funds sold and reverse repurchase 0 0 0 0 0 Chart
Net loans and leases 57,835 63,225 66,662 66,670 70,999 Chart
Loan loss allowance 1,759 1,766 1,772 1,810 1,774 Chart
Trading account assets 0 0 0 0 0 Chart
Bank premises and fixed assets 68 72 75 79 83 Chart
Other real estate owned 251 372 368 147 147 Chart
Goodwill and other intangibles 0 0 0 0 0 Chart
All other assets 966 960 1,812 1,278 1,608 Chart
Total Liabilities and Capital 239,659 246,585 256,982 256,497 266,591 Chart
Total Liabilities 205,139 212,357 222,208 222,357 233,371 Chart
Total deposits 203,442 210,868 221,283 221,724 232,818 Chart
Interest-bearing deposits 192,604 200,953 209,311 210,911 221,067 Chart
Deposits held in domestic offices 203,442 210,868 221,283 221,724 232,818 Chart
% insured (estimated) 93% 93% 93% 95% 94% Chart
Federal funds purchased and repurchase agreements 0 0 0 0 0 Chart
Trading liabilities 0 0 0 0 0 Chart
Other borrowed funds 0 0 0 0 0 Chart
Subordinated debt 0 0 0 0 0 Chart
All other liabilities 1,697 1,489 925 633 553 Chart
Total equity capital 34,520 34,228 34,774 34,140 33,220 Chart
Bank equity capital 34,367 34,115 34,602 33,957 33,220 Chart
Perpetual preferred stock 0 0 0 0 0 Chart
Common stock 320 320 320 320 320 Chart
Surplus 468 202 202 202 202 Chart
Undivided profits 33,579 33,593 34,080 33,435 32,698 Chart
Equity, minor interest in consolidated subs 153 113 172 183 0 Chart
Memoranda
Noncurrent loans and leases 5,157 6,634 8,635 2,383 3,573 Chart
Noncurrent loans which are wholly or partially guaranteed by the U.S. 0 0 0 0 0 Chart
Income earned, not collected on loans 529 571 662 724 992 Chart
Earning assets 238,200 244,994 254,564 254,786 264,566 Chart
Long-term assets (5+ years) 85,195 98,030 109,363 123,154 135,754 Chart
Average total assets 249,799 253,179 256,721 275,803 280,630 Chart
Average assets, quarterly 243,122 251,539 256,721 261,544 271,563 Chart
Total risk weighted assets adjusted 78,529 85,460 96,401 102,339 108,894 Chart
Adjusted average assets for leverage capital purposes 229,336 240,046 244,738 256,497 266,591 Chart
Life insurance assets 0 0 0 0 0 Chart
General account life insurance assets 0 0 0 0 0 Chart
Separate account life insurance assets 0 0 0 0 0 Chart
Hybrid life insurance assets 0 0 0 0 0 Chart
Volatile liabilities 10,322 11,696 12,170 12,665 12,870 Chart
Insider loans 807 816 780 834 845 Chart
FHLB advances 0 0 0 0 0 Chart
Loans and leases held for sale 0 0 0 0 0 Chart
Unused loan commitments 5,771 7,380 7,347 8,206 10,991 Chart
Tier one (core) capital 32,649 32,720 32,486 32,270 33,229 Chart
Tier 2 Risk-based capital 991 1,077 1,205 1,286 1,367 Chart
Total unused commitments 5,771 7,380 7,347 8,206 10,991 Chart
Derivatives 0 0 0 0 0 Chart

Income and Expenses

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total interest income 4,791 3,212 1,676 8,058 6,212 Chart
Total interest expense 1,289 884 452 1,889 1,404 Chart
Net interest income 3,502 2,328 1,224 6,169 4,808 Chart
Provision for loan and lease losses -68 -68 0 0 0 Chart
Total noninterest income 349 241 7 130 31 Chart
Gross Fiduciary activities income 0 0 0 0 0 Chart
Service charges on deposit accounts 2 1 1 2 2 Chart
Trading account gains and fees 0 0 0 0 0 Chart
Additional Noninterest Income 347 240 6 128 29 Chart
Total noninterest expense 3,190 2,073 990 4,284 3,176 Chart
Salaries and employee benefits 1,897 1,209 581 2,409 1,782 Chart
Premises and equipment expense 189 127 63 277 197 Chart
Additional noninterest expense 1,104 737 346 1,598 1,197 Chart
Pre-tax net operating income 729 564 241 2,015 1,663 Chart
Securities gains (losses) 0 0 0 -890 0 Chart
Applicable income taxes 0 0 0 0 0 Chart
Income before extraordinary items 729 564 241 1,125 1,663 Chart
Extraordinary gains, net 0 0 0 0 0 Chart
Net income 612 487 253 1,107 1,663 Chart
Minority interest net income 117 77 -12 18 0 Chart
Net income of bank and minority interests 729 564 241 1,125 1,663 Chart
Net charge-offs -17 -24 38 -830 -794 Chart
Cash dividends 462 0 0 1,015 612 Chart
Sale, conversion, retirement of capital stock, net 0 0 0 0 0 Chart
Net operating income 729 564 241 2,015 1,663 Chart

Securities

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total securities 70,878 82,738 89,400 102,099 105,409 Chart
U.S. Government securities 61,485 73,236 80,126 92,798 96,025 Chart
U.S. Treasury securities 0 0 0 0 0 Chart
U.S. Government agency obligations 61,485 73,236 80,126 92,798 96,025 Chart
Securities issued by states & political subdivisions 326 325 325 325 0 Chart
Other domestic debt securities 5,567 5,677 5,949 5,976 9,384 Chart
Privately issued residential mortgage-backed securities 513 640 868 911 973 Chart
Commercial mortgage-backed securities - Total 0 0 0 0 0 Chart
Asset backed securities 0 0 0 0 0 Chart
Structured financial products - Total 0 0 0 0 0 Chart
Other domestic debt securities - All other 5,054 5,037 5,081 5,065 8,411 Chart
Foreign debt securities 3,500 3,500 3,000 3,000 0 Chart
Equity securities 0 0 0 0 0 Chart
Assets held in trading accounts for TFR Reporters 0 0 0 0 0 Chart
General valuation allowances for securities for TFR Reporters 0 0 0 0 0 Chart
Memoranda
Pledged securities 0 0 0 0 0 Chart
Mortgage-backed securities 32,924 34,957 37,843 39,924 41,805 Chart
Certificates of participation in pools of residential mortgages 27,436 29,150 31,512 33,361 34,966 Chart
Issued or guaranteed by U.S. 27,436 29,150 31,512 33,361 34,966 Chart
Privately issued 0 0 0 0 0 Chart
Collaterized mortgage obligations 5,488 5,807 6,331 6,563 6,839 Chart
CMOs issued by government agencies or sponsored agencies 4,975 5,167 5,463 5,652 5,866 Chart
Privately issued 513 640 868 911 973 Chart
Commercial mortgage-backed securities 0 0 0 0 0 Chart
Commercial mortgage pass-through securities 0 0 0 0 0 Chart
Other commercial mortgage-backed securities 0 0 0 0 0 Chart
Held to maturity securities (book value) 0 0 0 0 0 Chart
Available-for-sale securities (fair market value) 70,878 82,738 89,400 102,099 105,409 Chart
Total debt securities 70,878 82,738 89,400 102,099 105,409 Chart
Structured Notes
Amortized cost 29,064 39,188 43,188 54,188 57,188 Chart
Fair value 29,074 38,919 43,151 53,785 55,193 Chart
Trading account assets 0 0 0 0 0 Chart
Revaluation gains on off-balance sheet contracts 0 0 0 0 0 Chart
Revaluation losses on off-balance sheet contracts 0 0 0 0 0 Chart

Performance and Condition Ratios

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
% of unprofitable institutions N/A N/A N/A N/A N/A Chart
% of insitutions with earnings gains N/A N/A N/A N/A N/A Chart
Performance Ratios (%, annualized)
Yield on earning assets 2.57% 2.55% 2.63% 2.94% 2.97% Chart
Cost of funding earning assets 0.69% 0.70% 0.71% 0.69% 0.67% Chart
Net interest margin 1.88% 1.85% 1.92% 2.25% 2.30% Chart
Noninterest income to average assets 0.19% 0.19% 0.01% 0.05% 0.01% Chart
Noninterest expense to average assets 1.70% 1.64% 1.54% 1.55% 1.51% Chart
Loan and lease loss provision to assets -0.04% -0.05% 0.00% 0.00% 0.00% Chart
Net operating income to assets 0.39% 0.45% 0.38% 0.73% 0.79% Chart
Return on assets (ROA) 0.33% 0.38% 0.39% 0.40% 0.79% Chart
Pretax return on assets 0.33% 0.38% 0.39% 0.40% 0.79% Chart
Return on Equity (ROE) 2.38% 2.85% 2.95% 3.34% 6.74% Chart
Retained earnings to average equity (YTD only) 0.58% 2.85% 2.95% 0.28% 4.26% Chart
Net charge-offs to loans -0.03% -0.07% 0.22% -1.14% -1.44% Chart
Credit loss provision to net charge-offs 400.00% 283.33% 0.00% 0.00% 0.00% Chart
Earnings coverage of net charge-offs (x) 0.00% 0.00% 6.34% 0.00% 0.00% Chart
Efficiency ratio 82.84% 80.69% 80.42% 68.01% 65.63% Chart
Assets per employee ($millions) 7.49% 7.71% 8.03% 8.55% 8.89% Chart
Cash dividends to net income (YTD only) 75.49% 0.00% 0.00% 91.69% 36.80% Chart
Condition Ratios (%)
Loss allowance to loans 2.95% 2.72% 2.59% 2.64% 2.44% Chart
Loan loss allowance to noncurrent loans 34.11% 26.62% 20.52% 75.95% 49.65% Chart
Noncurrent assets plus other real estate owned to assets 2.26% 2.84% 3.50% 0.99% 1.40% Chart
Noncurrent loans to loans 8.65% 10.21% 12.62% 3.48% 4.91% Chart
Net loans and leases to total assets 24.13% 25.64% 25.94% 25.99% 26.63% Chart
Net loans and leases to deposits 28.43% 29.98% 30.13% 30.07% 30.50% Chart
Net loans and leases to core deposits 29.95% 31.74% 31.88% 31.89% 32.28% Chart
Total domestic deposits to total assets 84.89% 85.52% 86.11% 86.44% 87.33% Chart
Equity capital to assets 14.34% 13.83% 13.46% 13.24% 12.46% Chart
Core capital (leverage) ratio 14.24% 13.63% 13.27% 12.58% 12.46% Chart
Tier 1 risk-based capital ratio 41.58% 38.29% 33.70% 31.53% 30.51% Chart
Total risk-based capital ratio 42.84% 39.55% 34.95% 32.79% 31.77% Chart
Memoranda
Average total assets 249,799 253,179 256,721 275,803 280,630 Chart
Average earning assets 248,132 251,443 254,668 273,778 278,527 Chart
Average equity 34,251 34,212 34,261 33,095 32,879 Chart
Average loans 65,371 67,297 68,450 72,617 73,651 Chart