First Shore Federal Savings And Loan Association Financial Statements & Health Reports

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Vitals

ROAA

.499

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	First Shore Federal Savings And Loan Association	All Insured Savings Banks in Maryland
Balance Sheet $(000)
Total Assets	304,458	301,352
Total Net Loans	243,115	213,593
Total Deposits	250,768	241,483
Total Equity	43,257	44,672
Profitability
Net Income	1,531	2,152
Return on Average Assets	.499	.432
Return on Average Equity	3.588	3.058
Net Interest Margin	3.314	3.292
Efficiency Ratio	76.217	86.153
Noninterest Income/Revenue	4.222	18.681
Balance Sheet Ratios
Loan-to-Deposit	96.948	87.022
Securities/Assets	.056	.13
Total Equity/Total Assets	.142	.148
Tangible Equity/Tangible Assets	.142	.146
Capital Adequacy
Tier 1 Common Capital	43,241	43,576
Tier 1 Capital	43,241	43,602
Tier 2 Capital	2,369	1,769
Total Capital	45,610	45,371
Total Risk Weighted Assets	189,030	186,418
Leverage Ratio	14.08	14.727
Common Equity Tier 1 Capital Ratio	22.88	28.083
Tier 1 Capital Ratio	22.88	28.091
Total Capital Ratio	24.13	29.015

First Shore Federal Savings And Loan Association was established 70 years ago and is currently headquartered in Salisbury, MD.

Dec 18 1953

Relationships	Role	Relationship Start	Relationship End

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