Bank of Maryland in Towson, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 18, 2000

  • Bank of Maryland in Towson, Maryland (MD)
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Bank of Maryland - Overview

  • General
  • FDIC Certificate #: 26477
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 91727
    Date Established: December 19, 1985
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    OTS Docket #: 11906
    FDIC's unique #: 33143
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 19, 1985
    Last Structure Change Effective Date: March 18, 2000
    Last Structure Change Process Date: May 05, 2000
    Last Data Update: May 05, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 502 Washington Avenue, Towson, MD 21204
    County: Baltimore
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: Atlanta
    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: $375.0 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 97Total employees (full-time equivalent)
  • $375,027Total assets
  • $11,013Cash and due from depository institutions
  • $466Interest-bearing balances
  • $120,771Securities
  • $2,132Federal funds sold & reverse repurchase agreements
  • $219,045Net loans & leases
  • $4,758Loan loss allowance
  • $0Trading account assets
  • $1,365Bank premises and fixed assets
  • $35Other real estate owned
  • $7,953Goodwill and other intangibles
  • $0Life insurance assets
  • $12,713All other assets
  • $375,027Total liabilities and capital
  • $338,289Total liabilities
  • $252,293Total deposits
  • $217,582Interest-bearing deposits
  • $252,293Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $42,170Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $42,000Other borrowed funds
  • $0Subordinated debt
  • $1,826All other liabilities
  • $36,738Total equity capital
  • $36,738Total bank equity capital
  • $36,738Perpetual preferred stock
  • $0Common stock
  • $3,290Surplus
  • $34,234Undivided profits
  • Memoranda
  • $-786Noncurrent loans and leases
  • $134,831Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,001Earning assets
  • $0Long-term assets (5+ years)
  • $1,155Average Assets, year-to-date
  • $342,414Average Assets, quarterly
  • $78,693Volatile liabilities
  • $346,233Insider loans
  • $369,876FHLB advances
  • $72,053Loans and leases held for sale
  • $5,637Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $134,831Total unused commitments
  • $0Restructured Loans and leases
  • $3,897Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $25,856Total interest income
  • $13,258Total interest expense
  • $12,598Net interest income
  • $1,388Provision for loan and lease losses
  • $776Total noninterest income
  • $0Fiduciary activities
  • $418Service charges on deposit accounts
  • $0Trading account gains & fees
  • $358Additional noninterest income
  • $10,622Total noninterest expense
  • $5,041Salaries and employee benefits
  • $1,949Premises and equipment expense
  • $3,632Additional noninterest expense
  • $1,364Pre-tax net operating income
  • $33Securities gains (losses)
  • $415Applicable income taxes
  • $982Income before extraordinary items
  • $0Extraordinary gains - net
  • $982Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,350Sale, conversion, retirement of capital stock, net
  • $323Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.14%Yield on earning assets
  • 4.17%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 0.28%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 2.73%Return on equity (ROE)
  • 1.83%Retained earnings to average equity (YTD only)
  • 0.68%Net charge-offs to loans
  • 102.81%Credit loss provision to net charge-offs
  • 2.04%Efficiency ratio
  • 73,620Assets per employee
  • 3.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.89%Loss allowance to loans
  • 2.13%Loss allowance to noncurrent loans
  • 237.78%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.89%Net loans and leases to deposits
  • 86.82%Net loans and leases to core deposits
  • 98.49%Equity capital to assets
  • 9.80%Core capital (leverage) ratio
  • 6.60%Tier 1 risk-based capital ratio
  • 7.49%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $346,233Average earning assets
  • $35,950Average equity
  • $317,743Average loans

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