Carrollton Bank in Baltimore, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches


Carrollton Bank - Overview

  • General
  • FDIC Certificate #: 12433
    Status: Active
    Federal Reserve ID: 854520
    Bank Holding Company (Regulatory Top Holder): Carrollton Bancorp (RSSDID: 1469800, Location: Columbia, MD)
    Date Established: January 01, 1904
    WWW: http://www.carrolltonbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 11154
    FDIC's unique #: 7915
    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: September 21, 2010
    Last Data Update: September 21, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 344 N. Charles Street, Baltimore, MD 21201
    County: Baltimore City
    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
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $365.2 mil
    Equity capital: $32.0 mil
    Deposits held in domestic offices: $316.2 mil
    Return on assets (ROA): 0.22% ($0.8 mil)
    Quarterly return on assets: 0.71% ($2.6 mil)
    Return on Equity (ROE): 2.55% ($0.8 mil)
    Quarterly return on equity: 8.13% ($2.6 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.30% ($1,095.5 mil)
    Quarterly Pretax return on assets: 1.11% ($4,053.5 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
  • 141Total employees (full-time equivalent)
  • $365,179Total assets
  • $15,597Cash and due from depository institutions
  • $10,304Interest-bearing balances
  • $28,222Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $292,783Net loans & leases
  • $4,687Loan loss allowance
  • $0Trading account assets
  • $6,661Bank premises and fixed assets
  • $4,822Other real estate owned
  • $0Goodwill and other intangibles
  • $365,179Life insurance assets
  • $17,094All other assets
  • $333,158Total liabilities and capital
  • $316,196Total liabilities
  • $300,084Total deposits
  • $316,196Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,210Trading liabilities
  • $0Other borrowed funds
  • $5,752Subordinated debt
  • $32,021All other liabilities
  • $32,021Total equity capital
  • $32,021Total bank equity capital
  • $0Perpetual preferred stock
  • $5,883Common stock
  • $15,669Surplus
  • $10,469Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $28,421Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,960Income earned, not collected on loans
  • $0Earning assets
  • $1,215Long-term assets (5+ years)
  • $331,309Average Assets, year-to-date
  • $113,722Average Assets, quarterly
  • $373,927Volatile liabilities
  • $368,583Insider loans
  • $335,378FHLB advances
  • $365,005Loans and leases held for sale
  • $5,083Unused loan commitments
  • $2,230Tier 1 (core) risk-based capital
  • $34,849Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,853Total unused commitments
  • $46,974Restructured Loans and leases
  • $2,636Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,908Total interest income
  • $3,833Total interest expense
  • $14,075Net interest income
  • $2,157Provision for loan and lease losses
  • $7,764Total noninterest income
  • $0Fiduciary activities
  • $466Service charges on deposit accounts
  • $0Trading account gains & fees
  • $7,298Additional noninterest income
  • $17,991Total noninterest expense
  • $9,383Salaries and employee benefits
  • $2,965Premises and equipment expense
  • $5,643Additional noninterest expense
  • $1,691Pre-tax net operating income
  • -$582Securities gains (losses)
  • $293Applicable income taxes
  • $816Income before extraordinary items
  • $0Extraordinary gains - net
  • $816Net income attributable to bank
  • $0Net charge-offs
  • $816Cash dividends
  • $1,779Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 4.15%Net interest margin
  • 2.29%Noninterest income to earning assets
  • 5.30%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.30%Pretax return on assets
  • 2.55%Return on equity (ROE)
  • 2.55%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 121.25%Credit loss provision to net charge-offs
  • 2.16%Efficiency ratio
  • 82,380Assets per employee
  • 2.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 118.36%Noncurrent assets plus other real estate owned to assets
  • 2.47%Noncurrent loans to loans
  • 1.33%Net loans and leases to deposits
  • 92.60%Net loans and leases to core deposits
  • 101.97%Equity capital to assets
  • 8.77%Core capital (leverage) ratio
  • 9.55%Tier 1 risk-based capital ratio
  • 10.39%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $373,927Average earning assets
  • $32,029Average equity
  • $339,363Average loans

List of branches

  • 13 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07915Carrollton Bank344 N. Charles Street, Baltimore, MD 21201January 01, 1904Full Service Brick and Mortar
    1227075Arbutus Branch1070 Maiden Choice Lane, Baltimore County, MD 21229April 06, 1960Full Service Brick and Mortar
    3227077Joppa Road Branch1740 East Joppa Road, Baltimore County, MD 21234September 18, 1972Full Service Brick and Mortar
    5227079Drive-In BranchWestland Boulevard, Baltimore County, MD 21227April 06, 1977Limited Service Facility
    6227080Glen Burnie Branch427 Crain Highway, N.E., Glen Burnie, MD 21061August 12, 1981Full Service Brick and Mortar
    7227081Millersville Branch684 Old Mill Road, Millersville, MD 21108July 20, 1989Full Service Brick and Mortar
    9227082Hanover Branch2637a Old Annapolis Road, Hanover, MD 21076November 21, 1994Full Service Brick and Mortar
    11227084Highlandtown/Canton Branch539 South Conkling Street, Baltimore, MD 21224June 20, 1995Full Service Brick and Mortar
    16227089Electronic BankingWww.Carrolltonbank.com, Baltimore, MD 21234January 21, 1999Full Service Cyber
    17438896Hickory Branch602 Hoagie Drive, Bel Air, MD 21014January 20, 2005Full Service Brick and Mortar
    18466307Cockeysville Branch10301 York Road, Cockeysville, MD 21030May 16, 2007Full Service Brick and Mortar
    19470586Perry Hall Branch4040 Schroeder Avenue, Perry Hall, MD 21128January 07, 2008Full Service Brick and Mortar
    21493362Headquarters Branch7151 Columbia Gateway Drive, Suite A, Columbia, MD 21046March 20, 2009Full Service Brick and Mortar

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