F&M Bank - Maryland, Inc. in Bethesda, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 16, 2002

  • F&M Bank - Maryland, Inc. in Bethesda, Maryland (MD)
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F&M Bank - Maryland, Inc. - Overview

  • General
  • FDIC Certificate #: 26984
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 47425
    Date Established: June 15, 1987
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 13 (Interstate: No)
    OTS Docket #: 11695
    FDIC's unique #: 36403
    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: June 15, 1987
    Last Structure Change Effective Date: March 16, 2002
    Last Structure Change Process Date: April 04, 2002
    Last Data Update: April 04, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 4719 Hampden Lane, Bethesda, MD 20814
    County: Montgomery
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: Atlanta
    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: Bethesda-Rockville-Frederick, MD (#13644)
  • Financial Summary
  • Total assets: $233.6 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, 2001)

  • Dollar figures in thousands
  • 85Total employees (full-time equivalent)
  • $233,557Total assets
  • $8,480Cash and due from depository institutions
  • $0Interest-bearing balances
  • $15,254Securities
  • $30,452Federal funds sold & reverse repurchase agreements
  • $167,922Net loans & leases
  • $2,658Loan loss allowance
  • $0Trading account assets
  • $4,466Bank premises and fixed assets
  • $0Other real estate owned
  • $3,909Goodwill and other intangibles
  • $0Life insurance assets
  • $3,074All other assets
  • $233,557Total liabilities and capital
  • $204,576Total liabilities
  • $192,978Total deposits
  • $143,327Interest-bearing deposits
  • $192,978Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $11,351Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $247All other liabilities
  • $28,981Total equity capital
  • $28,981Total bank equity capital
  • $28,981Perpetual preferred stock
  • $0Common stock
  • $5,375Surplus
  • $20,407Undivided profits
  • Memoranda
  • $3,199Noncurrent loans and leases
  • $49,591Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $329Earning assets
  • $0Long-term assets (5+ years)
  • $966Average Assets, year-to-date
  • $213,628Average Assets, quarterly
  • $35,988Volatile liabilities
  • $243,882Insider loans
  • $239,875FHLB advances
  • $35,559Loans and leases held for sale
  • $188Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $49,591Total unused commitments
  • $0Restructured Loans and leases
  • $2,456Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $16,566Total interest income
  • $6,276Total interest expense
  • $10,290Net interest income
  • $1,340Provision for loan and lease losses
  • $1,888Total noninterest income
  • $0Fiduciary activities
  • $1,412Service charges on deposit accounts
  • $0Trading account gains & fees
  • $476Additional noninterest income
  • $8,813Total noninterest expense
  • $3,619Salaries and employee benefits
  • $3,039Premises and equipment expense
  • $2,155Additional noninterest expense
  • $2,025Pre-tax net operating income
  • $178Securities gains (losses)
  • $659Applicable income taxes
  • $1,544Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,544Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $493Sale, conversion, retirement of capital stock, net
  • $718Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.40%Yield on earning assets
  • 2.80%Cost of funding earning assets
  • 4.59%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 3.93%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 5.70%Return on equity (ROE)
  • 3.05%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 271.81%Credit loss provision to net charge-offs
  • 6.83%Efficiency ratio
  • 72,368Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.50%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 807.90%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 87.02%Net loans and leases to core deposits
  • 99.50%Equity capital to assets
  • 12.41%Core capital (leverage) ratio
  • 10.59%Tier 1 risk-based capital ratio
  • 12.65%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $243,882Average earning assets
  • $27,087Average equity
  • $224,012Average loans

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