BankAnnapolis in Annapolis, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • BankAnnapolis in Annapolis, Maryland (MD)
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BankAnnapolis - Overview

  • General
  • FDIC Certificate #: 32740
    Status: Active
    Federal Reserve ID: 1434826
    Bank Holding Company (Regulatory Top Holder): Annapolis Bancorp, Inc. (RSSDID: 1472257, Location: Annapolis, MD)
    Date Established: January 05, 1990
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 14506
    FDIC's unique #: 45606
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 05, 1990
    Last Structure Change Effective Date: July 01, 2008
    Last Structure Change Process Date: July 01, 2008
    Last Data Update: July 01, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 Bestgate Road, Annapolis, MD 21401
    County: Anne Arundel
    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)
  • History of Changes
  • Corrections
  • Financial Summary
  • Total assets: $441.5 mil
    Equity capital: $42.0 mil
    Deposits held in domestic offices: $350.7 mil
    Return on assets (ROA): 0.55% ($2.4 mil)
    Quarterly return on assets: 0.66% ($2.9 mil)
    Return on Equity (ROE): 5.88% ($2.5 mil)
    Quarterly return on equity: 6.90% ($2.9 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.85% ($3,752.9 mil)
    Quarterly Pretax return on assets: 1.05% ($4,636.0 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, 2011)

  • Dollar figures in thousands
  • 96Total employees (full-time equivalent)
  • $441,520Total assets
  • $20,314Cash and due from depository institutions
  • $18,288Interest-bearing balances
  • $87,549Securities
  • $26,583Federal funds sold & reverse repurchase agreements
  • $283,284Net loans & leases
  • $7,182Loan loss allowance
  • $0Trading account assets
  • $8,418Bank premises and fixed assets
  • $1,222Other real estate owned
  • $0Goodwill and other intangibles
  • $441,520Life insurance assets
  • $14,150All other assets
  • $399,509Total liabilities and capital
  • $350,749Total liabilities
  • $329,820Total deposits
  • $350,749Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 11344.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $35,000Trading liabilities
  • $0Other borrowed funds
  • $2,416Subordinated debt
  • $42,011All other liabilities
  • $42,011Total equity capital
  • $42,011Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $22,458Surplus
  • $17,053Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,182Income earned, not collected on loans
  • $178Earning assets
  • $1,279Long-term assets (5+ years)
  • $415,704Average Assets, year-to-date
  • $109,313Average Assets, quarterly
  • $433,867Volatile liabilities
  • $438,629Insider loans
  • $323,812FHLB advances
  • $441,876Loans and leases held for sale
  • $5,624Unused loan commitments
  • $2,745Tier 1 (core) risk-based capital
  • $41,020Tier 2 risk-based capital
  • $1,832Total risk weighted assets
  • $1,047Total unused commitments
  • $67,973Restructured Loans and leases
  • $17,671Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,857Total interest income
  • $3,423Total interest expense
  • $16,434Net interest income
  • $2,190Provision for loan and lease losses
  • $1,663Total noninterest income
  • $0Fiduciary activities
  • $793Service charges on deposit accounts
  • $0Trading account gains & fees
  • $870Additional noninterest income
  • $12,199Total noninterest expense
  • $6,729Salaries and employee benefits
  • $1,546Premises and equipment expense
  • $3,924Additional noninterest expense
  • $3,708Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,319Applicable income taxes
  • $2,389Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,389Net income attributable to bank
  • $0Net charge-offs
  • $2,389Cash dividends
  • $1,861Sale, conversion, retirement of capital stock, net
  • $587Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.05%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 5.88%Return on equity (ROE)
  • 4.43%Retained earnings to average equity (YTD only)
  • 0.65%Net charge-offs to loans
  • 117.68%Credit loss provision to net charge-offs
  • 3.17%Efficiency ratio
  • 67,409Assets per employee
  • 4.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.57%Loss allowance to loans
  • 2.47%Loss allowance to noncurrent loans
  • 116.18%Noncurrent assets plus other real estate owned to assets
  • 1.68%Noncurrent loans to loans
  • 2.13%Net loans and leases to deposits
  • 80.77%Net loans and leases to core deposits
  • 85.40%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 9.28%Tier 1 risk-based capital ratio
  • 12.67%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $433,867Average earning assets
  • $40,639Average equity
  • $405,650Average loans

List of branches

  • 7 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045606Bankannapolis1000 Bestgate Road, Annapolis, MD 21401January 05, 1990Full Service Brick and Mortar
    2288919Edgewater Branch120 East Central Avenue, Edgewater, MD 21037July 11, 1989Full Service Brick and Mortar
    3288920Cape St. Claire Road Branch1372-B Cape St. Claire Road, Annapolis, MD 21409July 11, 1989Full Service Brick and Mortar
    4288921Stevensville Branch1245 Shopping Center Road, Stevensville, MD 21666July 11, 1989Full Service Brick and Mortar
    7288994Severna Park Branch50 West Mckinsey Road, Severna Park, MD 21146September 09, 1996Full Service Brick and Mortar
    8419204Bay Woods Branch7101 Bay Front Drive, Annapolis, MD 21403March 24, 2003Full Service Brick and Mortar
    10493069Annapolis Towne Centre Branch1905 Towne Centre Boulevard, Suite 105, Annapolis, MD 21401December 16, 2008Full Service Brick and Mortar

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