FDIC Certificate #: 32386 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Cecil Bank (#31121) Federal Reserve ID: 507778 Date Established: October 09, 1985 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 8210 FDIC's unique #: 45220 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: October 09, 1985 Last Structure Change Effective Date: June 11, 2001 Last Structure Change Process Date: June 27, 2001 Last Data Update: June 27, 2001 Data Source Date: April 05, 2012
Location
Address: 303 - 305 St John Avenue, Havre De Grace, MD 21078 County: Harford 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)
Financial Summary
Total assets: $28.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
13Total employees (full-time equivalent)
$29,310Total assets
$473Cash and due from depository institutions
$39Interest-bearing balances
$5,000Securities
$0Federal funds sold & reverse repurchase agreements
$21,813Net loans & leases
$136Loan loss allowance
$0Trading account assets
$1,111Bank premises and fixed assets
$211Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$702All other assets
$29,310Total liabilities and capital
$27,260Total liabilities
$21,670Total deposits
$21,275Interest-bearing deposits
$21,670Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$5,500Other borrowed funds
$0Subordinated debt
$90All other liabilities
$2,050Total equity capital
$2,050Total bank equity capital
$2,050Perpetual preferred stock
$0Common stock
$75Surplus
$537Undivided profits
Memoranda
$1,438Noncurrent loans and leases
$1,605Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$148Earning assets
$0Long-term assets (5+ years)
$133Average Assets, year-to-date
$26,852Average Assets, quarterly
$0Volatile liabilities
$29,147Insider loans
$29,599FHLB advances
$7,031Loans and leases held for sale
$0Unused loan commitments
$5,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,605Total unused commitments
$211Restructured Loans and leases
$136Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$2,102Total interest income
$1,303Total interest expense
$799Net interest income
$0Provision for loan and lease losses
$67Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$67Additional noninterest income
$738Total noninterest expense
$426Salaries and employee benefits
$138Premises and equipment expense
$174Additional noninterest expense
$128Pre-tax net operating income
$0Securities gains (losses)
$50Applicable income taxes
$78Income before extraordinary items
$0Extraordinary gains - net
$78Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$125Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.77%Yield on earning assets
4.82%Cost of funding earning assets
2.95%Net interest margin
0.25%Noninterest income to earning assets
2.73%Noninterest expense to earning assets
0.27%Net operating income to assets
0.27%Return on assets (ROA)
0.44%Pretax return on assets
3.71%Return on equity (ROE)
-2.23%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
85,219Assets per employee
2.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
160.26%Loss allowance to loans
0.62%Loss allowance to noncurrent loans
91.89%Noncurrent assets plus other real estate owned to assets
1.22%Noncurrent loans to loans
0.67%Net loans and leases to deposits
100.66%Net loans and leases to core deposits
108.31%Equity capital to assets
6.99%Core capital (leverage) ratio
7.00%Tier 1 risk-based capital ratio
12.52%Total risk-based capital ratio
Memoranda
$13Average assets
$29,147Average earning assets
$2,105Average equity
$27,061Average loans
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