Carroll County Bank and Trust Company in Westminster, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 18, 2000

  • Carroll County Bank and Trust Company in Westminster, Maryland (MD)
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Carroll County Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 11797
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 35824
    Date Established: January 01, 1865
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Interstate: No)
    OTS Docket #: 9930
    FDIC's unique #: 7547
    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: January 01, 1934
    Last Structure Change Effective Date: March 18, 2000
    Last Structure Change Process Date: May 03, 2000
    Last Data Update: May 03, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 45 West Main Street, Westminster, MD 21157
    County: Carroll
    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: $805.4 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
  • 198Total employees (full-time equivalent)
  • $805,429Total assets
  • $21,740Cash and due from depository institutions
  • $1,291Interest-bearing balances
  • $441,597Securities
  • $1,588Federal funds sold & reverse repurchase agreements
  • $298,359Net loans & leases
  • $3,061Loan loss allowance
  • $0Trading account assets
  • $11,740Bank premises and fixed assets
  • $197Other real estate owned
  • $177Goodwill and other intangibles
  • $0Life insurance assets
  • $30,031All other assets
  • $805,429Total liabilities and capital
  • $765,381Total liabilities
  • $475,862Total deposits
  • $406,339Interest-bearing deposits
  • $475,862Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $109,000Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $170,004Other borrowed funds
  • $0Subordinated debt
  • $10,515All other liabilities
  • $40,048Total equity capital
  • $40,048Total bank equity capital
  • $40,048Perpetual preferred stock
  • $0Common stock
  • $15,178Surplus
  • $26,678Undivided profits
  • Memoranda
  • $-1,808Noncurrent loans and leases
  • $61,931Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,100Earning assets
  • $0Long-term assets (5+ years)
  • $1,484Average Assets, year-to-date
  • $742,835Average Assets, quarterly
  • $352,717Volatile liabilities
  • $788,593Insider loans
  • $798,854FHLB advances
  • $235,503Loans and leases held for sale
  • $6,294Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $956Total risk weighted assets
  • $61,931Total unused commitments
  • $805Restructured Loans and leases
  • $3,061Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $51,899Total interest income
  • $30,269Total interest expense
  • $21,630Net interest income
  • $278Provision for loan and lease losses
  • $6,630Total noninterest income
  • $1,765Fiduciary activities
  • $1,588Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,277Additional noninterest income
  • $29,338Total noninterest expense
  • $12,707Salaries and employee benefits
  • $2,502Premises and equipment expense
  • $14,129Additional noninterest expense
  • -$1,356Pre-tax net operating income
  • -$199Securities gains (losses)
  • -$2,783Applicable income taxes
  • $1,228Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,228Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $72Sale, conversion, retirement of capital stock, net
  • $1,568Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.02%Yield on earning assets
  • 4.10%Cost of funding earning assets
  • 2.93%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 3.97%Noninterest expense to earning assets
  • 0.17%Net operating income to assets
  • 0.16%Return on assets (ROA)
  • -0.20%Pretax return on assets
  • 2.64%Return on equity (ROE)
  • -0.73%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 386.11%Credit loss provision to net charge-offs
  • -14.97%Efficiency ratio
  • 103,616Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 127.69%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 145.76%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 62.70%Net loans and leases to core deposits
  • 67.60%Equity capital to assets
  • 4.97%Core capital (leverage) ratio
  • 6.92%Tier 1 risk-based capital ratio
  • 12.61%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $788,593Average earning assets
  • $46,534Average equity
  • $738,864Average loans

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