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- Banks in Maryland (MD)
- Elkridge Bank
Elkridge Bank in Elkridge, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of March 07, 1997
- 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
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- Banks in Maryland (MD)
- Elkridge Bank
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