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- Banks in Maryland (MD)
- Carroll County Bank and Trust Company
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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- Banks in Maryland (MD)
- Carroll County Bank and Trust Company
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