Vitals
  • Total Assets
    167.2M -0.2 %
  • Total Deposits
    141.0M 0.0 %
  • Total Net Loans
    126.2M -2.1 %
  • Net Income
    -202000.0000 -131.5 %
  • Book Value
    20.2M -1.3 %
  • Book Value x2
    40.4M -1.3 %
  • Book Value x3
    60.6M -1.3 %
ROAA

-.12

ROAE

-.996

Efficiency Ratio

82.914

Net Interest Margin

4.019

Balance Sheet Highlights
Financial Highlights Bay-Vanguard Federal Savings Bank All Insured Savings Banks in Maryland
Balance Sheet $(000)
Total Assets 167,221 301,352
Total Net Loans 126,167 213,593
Total Deposits 141,022 241,483
Total Equity 20,207 44,672
Profitability
Net Income -202 2,152
Return on Average Assets -.12 .432
Return on Average Equity -.996 3.058
Net Interest Margin 4.019 3.292
Efficiency Ratio 82.914 86.153
Noninterest Income/Revenue 3.592 18.681
Balance Sheet Ratios
Loan-to-Deposit 89.466 87.022
Securities/Assets .107 .13
Total Equity/Total Assets .121 .148
Tangible Equity/Tangible Assets .12 .146
Capital Adequacy
Tier 1 Common Capital 19,777 43,576
Tier 1 Capital 19,777 43,602
Tier 2 Capital 1,260 1,769
Total Capital 21,037 45,371
Total Risk Weighted Assets 99,801 186,418
Leverage Ratio 11.81 14.727
Common Equity Tier 1 Capital Ratio 19.82 28.083
Tier 1 Capital Ratio 19.82 28.091
Total Capital Ratio 21.08 29.015

Timeline for Bay-Vanguard Federal Savings Bank

Vigilant Federal Savings Bank

Acquisition: Bay-Vanguard Federal Savings Bank acquired a new subsidiary, Vigilant Federal Savings Bank, 10 years

View Profile Jun 01 2013

Bv Financial

Bv Financial became a new parent organization for Bay-Vanguard Federal Savings Bank.

View Profile Dec 30 2006

Vanguard Savings And Loan Association

Acquisition: Bay-Vanguard Federal Savings Bank acquired a new subsidiary, Vanguard Savings And Loan Association, 28 years

View Profile Apr 01 1996

Weekly Savings And Loan Association

Acquisition: Bay-Vanguard Federal Savings Bank acquired a new subsidiary, Weekly Savings And Loan Association, 33 years

View Profile Jun 02 1990

Hanover Building Association

Acquisition: Bay-Vanguard Federal Savings Bank acquired a new subsidiary, Hanover Building Association , 42 years

View Profile May 02 1981

Want to see more?

Complete timeline for Bay-Vanguard Federal Savings Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Vigilant Federal Savings Bank Seller 49,040 Acquisition Discontinued 6/1/2013
Vanguard Savings And Loan Association Seller 28,025 Discontinued 4/1/1996
Weekly Savings And Loan Association Seller 5,280 Discontinued 6/2/1990
Hanover Building Association Seller Discontinued 5/2/1981
Relationships Role Relationship Start Relationship End
Bv Financial Parent 12/1/2012
Bv Financial Parent 7/21/2011 11/30/2012
Bv Financial Parent 12/30/2006 7/20/2011
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