Community Bank of Tri-County in Waldorf, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community Bank of Tri-County in Waldorf, Maryland (MD)
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Community Bank of Tri-County - Overview

  • General
  • FDIC Certificate #: 30903
    Status: Active
    Federal Reserve ID: 697978
    Bank Holding Company (Regulatory Top Holder): Tri-County Financial Corporation (RSSDID: 2523389, Location: Waldorf, MD)
    Date Established: January 01, 1950
    WWW: http://www.cbtc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 6091
    FDIC's unique #: 43737
    Numeric code: 13
    Regulator: FED
    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: October 23, 1957
    Last Structure Change Effective Date: July 16, 2008
    Last Structure Change Process Date: July 16, 2008
    Last Data Update: July 16, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 3035 Leonardtown Road, Waldorf, MD 20601
    County: Charles
    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): Washington, DC-MD-VA-WV (#8840)
    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): Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    CBSA Metro Statistical Area: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    Core Based Statistical Division: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47894)
  • History of Changes
  • Corrections
  • Financial Summary
  • Total assets: $980.4 mil
    Equity capital: $85.2 mil
    Deposits held in domestic offices: $826.4 mil
    Return on assets (ROA): 0.41% ($4.0 mil)
    Quarterly return on assets: 0.30% ($2.9 mil)
    Return on Equity (ROE): 4.66% ($4.0 mil)
    Quarterly return on equity: 3.41% ($2.9 mil)
    Net income: $3.8 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.62% ($6,078.2 mil)
    Quarterly Pretax return on assets: 0.43% ($4,215.5 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
  • 149Total employees (full-time equivalent)
  • $980,353Total assets
  • $14,078Cash and due from depository institutions
  • $3,735Interest-bearing balances
  • $195,307Securities
  • $5,040Federal funds sold & reverse repurchase agreements
  • $710,088Net loans & leases
  • $7,655Loan loss allowance
  • $0Trading account assets
  • $16,441Bank premises and fixed assets
  • $5,029Other real estate owned
  • $213Goodwill and other intangibles
  • $980,353Life insurance assets
  • $34,157All other assets
  • $895,203Total liabilities and capital
  • $826,410Total liabilities
  • $744,975Total deposits
  • $826,410Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $60,577Trading liabilities
  • $0Other borrowed funds
  • $8,216Subordinated debt
  • $85,150All other liabilities
  • $85,150Total equity capital
  • $85,150Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $39,712Surplus
  • $43,938Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,510Income earned, not collected on loans
  • $0Earning assets
  • $3,028Long-term assets (5+ years)
  • $914,170Average Assets, year-to-date
  • $363,260Average Assets, quarterly
  • $919,772Volatile liabilities
  • $972,873Insider loans
  • $745,112FHLB advances
  • $947,394Loans and leases held for sale
  • $18,098Unused loan commitments
  • $12,988Tier 1 (core) risk-based capital
  • $84,860Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,110Total unused commitments
  • $84,999Restructured Loans and leases
  • $16,695Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $40,580Total interest income
  • $12,837Total interest expense
  • $27,743Net interest income
  • $4,087Provision for loan and lease losses
  • $3,570Total noninterest income
  • $0Fiduciary activities
  • $1,140Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,430Additional noninterest income
  • $21,544Total noninterest expense
  • $10,786Salaries and employee benefits
  • $1,833Premises and equipment expense
  • $8,925Additional noninterest expense
  • $5,682Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,869Applicable income taxes
  • $3,813Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,813Net income attributable to bank
  • $0Net charge-offs
  • $3,813Cash dividends
  • $4,101Sale, conversion, retirement of capital stock, net
  • $3,275Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 1.51%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 4.66%Return on equity (ROE)
  • 0.66%Retained earnings to average equity (YTD only)
  • 0.60%Net charge-offs to loans
  • 99.66%Credit loss provision to net charge-offs
  • 2.38%Efficiency ratio
  • 68,802Assets per employee
  • 6.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.89%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 80.49%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 1.32%Net loans and leases to deposits
  • 85.92%Net loans and leases to core deposits
  • 102.22%Equity capital to assets
  • 8.69%Core capital (leverage) ratio
  • 8.96%Tier 1 risk-based capital ratio
  • 11.39%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $919,772Average earning assets
  • $81,817Average equity
  • $852,867Average loans

List of branches

  • 10 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043737Community Bank Of Tri-County3035 Leonardtown Road, Waldorf, MD 20601January 01, 1950Full Service Brick and Mortar
    1282567Leonardtown Branch25395 Pt Lookout Road, Leonardtown, MD 20650January 01, 1950Full Service Brick and Mortar
    2282568California Branch22730 Three Notch Rd, California, MD 20653January 01, 1950Full Service Brick and Mortar
    101267503Dunkirk Branch10321 Southern Maryland Boulevard, Dunkirk, MD 20754January 01, 1903Full Service Brick and Mortar
    102282570La Plata Branch101 Drury Drive, La Plata, MD 20646March 01, 1992Full Service Brick and Mortar
    103282571Bryans Road Branch8010 Matthews Rd, Bryans Road, MD 20616October 18, 1996Full Service Brick and Mortar
    105282573St Patricks Branch20 St Patricks Drive, Waldorf, MD 20603January 26, 1998Full Service Brick and Mortar
    107365256Charlotte Hall Branch30155 Three Notch Road, Charlotte Hall, MD 20622August 01, 2001Full Service Brick and Mortar
    108443545Prince Frederick Branch200 Market Sqare Drive, Prince Frederick, MD 20678May 01, 2005Full Service Brick and Mortar
    109480076Lusby Branch11725 Rousby Hall Road, Lusby, MD 20657January 23, 2008Full Service Brick and Mortar

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