Calvin B. Taylor Banking Company of Berlin, Maryland in Berlin, Maryland (MD), DE
Overview, Financial Summary, Detailed Financial Reports, Branches


Calvin B. Taylor Banking Company of Berlin, Maryland - Overview

  • General
  • FDIC Certificate #: 5874
    Status: Active
    Federal Reserve ID: 39327
    Bank Holding Company (Regulatory Top Holder): Calvin B. Taylor Bankshares, Inc. (RSSDID: 2391300, Location: Berlin, MD)
    Date Established: January 01, 1890
    WWW: http://www.taylorbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: Yes)
    FDIC's unique #: 4012
    Numeric code: 21
    Regulator: FDIC
    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 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 24 North Main Street, Berlin, MD 21811
    County: Worcester
    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
    Combined Statistical Area (CSA): Salisbury-Ocean Pines, MD (#480)
    Core Based Statistical Area (CBSA): Ocean Pines, MD (#36180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $412.6 mil
    Equity capital: $71.8 mil
    Deposits held in domestic offices: $336.1 mil
    Return on assets (ROA): 1.15% ($4.7 mil)
    Quarterly return on assets: 1.08% ($4.5 mil)
    Return on Equity (ROE): 6.59% ($4.7 mil)
    Quarterly return on equity: 6.19% ($4.5 mil)
    Net income: $4.7 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.80% ($7,426.5 mil)
    Quarterly Pretax return on assets: 1.64% ($6,766.4 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
  • 88Total employees (full-time equivalent)
  • $412,584Total assets
  • $31,741Cash and due from depository institutions
  • $9,605Interest-bearing balances
  • $108,075Securities
  • $30,541Federal funds sold & reverse repurchase agreements
  • $227,534Net loans & leases
  • $672Loan loss allowance
  • $0Trading account assets
  • $5,019Bank premises and fixed assets
  • $1,715Other real estate owned
  • $0Goodwill and other intangibles
  • $412,584Life insurance assets
  • $7,959All other assets
  • $340,759Total liabilities and capital
  • $336,078Total liabilities
  • $252,920Total deposits
  • $336,078Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 3998.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $683Subordinated debt
  • $71,825All other liabilities
  • $71,825Total equity capital
  • $71,825Total bank equity capital
  • $0Perpetual preferred stock
  • $8,100Common stock
  • $12,902Surplus
  • $50,823Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,053Income earned, not collected on loans
  • $0Earning assets
  • $1,173Long-term assets (5+ years)
  • $375,755Average Assets, year-to-date
  • $81,306Average Assets, quarterly
  • $410,521Volatile liabilities
  • $418,483Insider loans
  • $213,481FHLB advances
  • $414,819Loans and leases held for sale
  • $5,436Unused loan commitments
  • $5,436Tier 1 (core) risk-based capital
  • $71,068Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,346Restructured Loans and leases
  • $24,821Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,291Total interest income
  • $1,403Total interest expense
  • $14,888Net interest income
  • $1,127Provision for loan and lease losses
  • $1,901Total noninterest income
  • $0Fiduciary activities
  • $886Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,015Additional noninterest income
  • $8,271Total noninterest expense
  • $4,802Salaries and employee benefits
  • $1,289Premises and equipment expense
  • $2,180Additional noninterest expense
  • $7,391Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,666Applicable income taxes
  • $4,725Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,725Net income attributable to bank
  • $0Net charge-offs
  • $4,725Cash dividends
  • $1,438Sale, conversion, retirement of capital stock, net
  • $2,856Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.31%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.19%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.80%Pretax return on assets
  • 6.59%Return on equity (ROE)
  • 2.61%Retained earnings to average equity (YTD only)
  • 0.61%Net charge-offs to loans
  • 78.37%Credit loss provision to net charge-offs
  • 5.92%Efficiency ratio
  • 49,264Assets per employee
  • 4.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.44%Loss allowance to loans
  • 0.29%Loss allowance to noncurrent loans
  • 16.58%Noncurrent assets plus other real estate owned to assets
  • 1.40%Noncurrent loans to loans
  • 1.78%Net loans and leases to deposits
  • 67.70%Net loans and leases to core deposits
  • 70.41%Equity capital to assets
  • 17.41%Core capital (leverage) ratio
  • 17.13%Tier 1 risk-based capital ratio
  • 33.29%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $410,521Average earning assets
  • $71,689Average equity
  • $377,650Average loans

List of branches

  • 1 Delaware Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1059075Ocean View Delaware Branch50 Atlantic Avenue, Ocean View, DE 19970May 22, 1998Full Service Brick and Mortar
  • 9 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04012Calvin B. Taylor Banking Company Of Berlin, Maryland24 North Main Street, Berlin, MD 21811January 01, 1890Full Service Brick and Mortar
    1208302Ocean City Branch100 20th Street, Ocean City, MD 21842May 23, 1960Full Service Brick and Mortar
    2208303North Ocean City-Fenwick Branch14200 Coastal Highway, Ocean City, MD 21842May 17, 1971Full Service Brick and Mortar
    3208304East Berlin Branch10524 Old Ocean City Boulevard, Berlin, MD 21811May 22, 1975Full Service Brick and Mortar
    4208305Ocean Pines Branch11103 Cathell Road, Berlin, MD 21811September 20, 1982Full Service Brick and Mortar
    5208306Ocean City Branch9105 Coastal Highway, Ocean City, MD 21842September 17, 1984Full Service Brick and Mortar
    6204422Pocomoke City Branch2140 Old Snow Hill Road, Pocomoke City, MD 21851August 06, 1946Full Service Brick and Mortar
    7204432Snow Hill Branch108 West Market Street, Snow Hill, MD 21863July 01, 1926Full Service Brick and Mortar
    9208307West Ocean City Branch9923 Golf Course Road, Ocean City, MD 21842Febuary 01, 1991Full Service Brick and Mortar

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