Commercial and Farmers Bank in Ellicott City, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 30, 1999

  • Commercial and Farmers Bank in Ellicott City, Maryland (MD)
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Commercial and Farmers Bank - Overview

  • General
  • FDIC Certificate #: 14844
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Farmers & Mechanics Bank (#4842)
    Federal Reserve ID: 612720
    Date Established: November 01, 1934
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 8 (Interstate: No)
    OTS Docket #: 12969
    FDIC's unique #: 9291
    Numeric code: 13
    Regulator: FED
    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: November 01, 1934
    Last Structure Change Effective Date: December 30, 1999
    Last Structure Change Process Date: Febuary 02, 2000
    Last Data Update: Febuary 02, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: U.S. Highway 40 And Rogers Avenue, Ellicott City, MD 21043
    County: Howard
    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: $173.5 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, 1998)

  • Dollar figures in thousands
  • 151Total employees (full-time equivalent)
  • $170,205Total assets
  • $9,471Cash and due from depository institutions
  • $1,221Interest-bearing balances
  • $14,386Securities
  • $17,611Federal funds sold & reverse repurchase agreements
  • $121,553Net loans & leases
  • $1,424Loan loss allowance
  • $0Trading account assets
  • $4,997Bank premises and fixed assets
  • $0Other real estate owned
  • $297Goodwill and other intangibles
  • $0Life insurance assets
  • $1,890All other assets
  • $170,205Total liabilities and capital
  • $154,474Total liabilities
  • $148,701Total deposits
  • $107,706Interest-bearing deposits
  • $148,701Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,801Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,972All other liabilities
  • $15,731Total equity capital
  • $15,731Total bank equity capital
  • $15,731Perpetual preferred stock
  • $0Common stock
  • $5,453Surplus
  • $5,500Undivided profits
  • Memoranda
  • $4,778Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,646Earning assets
  • $0Long-term assets (5+ years)
  • $657Average Assets, year-to-date
  • $154,771Average Assets, quarterly
  • $25,581Volatile liabilities
  • $152,831Insider loans
  • $161,277FHLB advances
  • $11,706Loans and leases held for sale
  • $4,544Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $23,719Total risk weighted assets
  • $17,608Total unused commitments
  • $0Restructured Loans and leases
  • $118,423Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $13,923Total interest income
  • $3,753Total interest expense
  • $10,170Net interest income
  • $0Provision for loan and lease losses
  • $2,653Total noninterest income
  • $0Fiduciary activities
  • $810Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,843Additional noninterest income
  • $11,126Total noninterest expense
  • $6,836Salaries and employee benefits
  • $1,506Premises and equipment expense
  • $2,784Additional noninterest expense
  • $1,697Pre-tax net operating income
  • $0Securities gains (losses)
  • $576Applicable income taxes
  • $1,121Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,121Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $191Sale, conversion, retirement of capital stock, net
  • $979Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.91%Yield on earning assets
  • 2.67%Cost of funding earning assets
  • 7.24%Net interest margin
  • 1.89%Noninterest income to earning assets
  • 7.92%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 7.09%Return on equity (ROE)
  • 0.90%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 8.88%Efficiency ratio
  • 86,766Assets per employee
  • 1.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.33%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 86.51%Noncurrent assets plus other real estate owned to assets
  • 0.97%Noncurrent loans to loans
  • 1.34%Net loans and leases to deposits
  • 81.74%Net loans and leases to core deposits
  • 86.33%Equity capital to assets
  • 9.24%Core capital (leverage) ratio
  • 9.48%Tier 1 risk-based capital ratio
  • 13.02%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $152,831Average earning assets
  • $15,813Average equity
  • $140,454Average loans

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