Elkridge Bank in city_name, state_name - Detailed Financial Reports, Location

Elkridge Bank in Elkridge, Maryland (MD)
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Elkridge Bank - Overview

General
FDIC Certificate #: 18456
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: FCNB Bank (#4843)
Federal Reserve ID: 702322
Date Established: November 21, 1961
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Interstate: No)
FDIC's unique #: 12354
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: Yes
Date of Deposit Insurance: November 21, 1961
Last Structure Change Effective Date: March 07, 1997
Last Structure Change Process Date: March 20, 1997
Last Data Update: March 20, 1997
Data Source Date: April 05, 2012
Location
Address: 7290 Montgomery Road, Elkridge, MD 21227
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: $222.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$74Total assets
$222,083Cash and due from depository institutions
$10,616Interest-bearing balances
$1,055Securities
$28,973Federal funds sold & reverse repurchase agreements
$4,524Net loans & leases
$167,115Loan loss allowance
$1,910Trading account assets
$0Bank premises and fixed assets
$2,641Other real estate owned
$632Goodwill and other intangibles
$4,443Life insurance assets
$3,139All other assets
$0Total liabilities and capital
$222,083Total liabilities
$198,965Total deposits
$177,159Interest-bearing deposits
$162,556Deposits held in domestic offices
177159.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$445Trading liabilities
$0Other borrowed funds
$20,528Subordinated debt
$0All other liabilities
$833Total equity capital
$833Total bank equity capital
$23,118Perpetual preferred stock
$0Common stock
$2,627Surplus
$13,938Undivided profits
Memoranda
$6,553Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,888Income earned, not collected on loans
$1,009Earning assets
$201,667Long-term assets (5+ years)
$44,911Average Assets, year-to-date
$187,927Average Assets, quarterly
$220,581Volatile liabilities
$31,235Insider loans
$221FHLB advances
$0Loans and leases held for sale
$2,019Unused loan commitments
$27,112Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$19,907Total risk weighted assets
$153,079Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$16,120Total interest expense
$7,768Net interest income
$8,352Provision for loan and lease losses
$210Total noninterest income
$1,100Fiduciary activities
$0Service charges on deposit accounts
$482Trading account gains & fees
$0Additional noninterest income
$618Total noninterest expense
$8,000Salaries and employee benefits
$4,285Premises and equipment expense
$833Additional noninterest expense
$2,882Pre-tax net operating income
$1,242Securities gains (losses)
-$59Applicable income taxes
$432Income before extraordinary items
$751Extraordinary gains - net
$0Net income attributable to bank
$751Net charge-offs
$497Cash dividends
$8,446Sale, conversion, retirement of capital stock, net
$1Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.39%Cost of funding earning assets
4.53%Net interest margin
4.87%Noninterest income to earning assets
0.64%Noninterest expense to earning assets
4.66%Net operating income to assets
0.42%Return on assets (ROA)
0.40%Pretax return on assets
0.63%Return on equity (ROE)
4.27%Retained earnings to average equity (YTD only)
-43.76%Net charge-offs to loans
0.36%Credit loss provision to net charge-offs
42.25%Efficiency ratio
83,675Assets per employee
3.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
1124.63%Loss allowance to loans
1.13%Loss allowance to noncurrent loans
39.08%Noncurrent assets plus other real estate owned to assets
2.31%Noncurrent loans to loans
2.89%Net loans and leases to deposits
94.33%Net loans and leases to core deposits
100.13%Equity capital to assets
10.41%Core capital (leverage) ratio
9.29%Tier 1 risk-based capital ratio
13.00%Total risk-based capital ratio
Memoranda
$14Average assets
$187,927Average earning assets
$17,586Average equity
$171,641Average loans

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

Elkridge Bank - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

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

Elkridge Bank - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

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