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

This bank is inactive as of March 16, 2001

  • FCNB Bank in Frederick, Maryland (MD)
  • Show street view No street view available for this location

FCNB Bank - Overview

  • General
  • FDIC Certificate #: 4843
    Status: Inactive
    Closing history: Office Sold
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 708623
    Date Established: June 01, 1818
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 34 (Interstate: No)
    OTS Docket #: 9488
    FDIC's unique #: 3227
    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: January 01, 1934
    Last Structure Change Effective Date: March 16, 2001
    Last Structure Change Process Date: May 29, 2001
    Last Data Update: May 29, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 7200 Fcnb Court, Frederick, MD 21701
    County: Frederick
    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)
  • History of Changes
  • Merger - Without Assistance
    Office Sold
  • Financial Summary
  • Total assets: $1,574.3 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, 2000)

  • Dollar figures in thousands
  • 528Total employees (full-time equivalent)
  • $1,574,271Total assets
  • $39,698Cash and due from depository institutions
  • $2,523Interest-bearing balances
  • $437,865Securities
  • $17,983Federal funds sold & reverse repurchase agreements
  • $982,000Net loans & leases
  • $10,243Loan loss allowance
  • $0Trading account assets
  • $24,208Bank premises and fixed assets
  • $1,331Other real estate owned
  • $5,359Goodwill and other intangibles
  • $0Life insurance assets
  • $65,827All other assets
  • $1,574,271Total liabilities and capital
  • $1,491,341Total liabilities
  • $1,101,644Total deposits
  • $1,030,398Interest-bearing deposits
  • $1,101,644Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $77,590Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $270,403Other borrowed funds
  • $27,000Subordinated debt
  • $14,704All other liabilities
  • $82,930Total equity capital
  • $82,930Total bank equity capital
  • $82,930Perpetual preferred stock
  • $0Common stock
  • $2,639Surplus
  • $63,621Undivided profits
  • Memoranda
  • $16,670Noncurrent loans and leases
  • $124,893Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $6,912Earning assets
  • $0Long-term assets (5+ years)
  • $5,794Average Assets, year-to-date
  • $1,440,371Average Assets, quarterly
  • $444,424Volatile liabilities
  • $1,549,755Insider loans
  • $1,580,951FHLB advances
  • $379,940Loans and leases held for sale
  • $20,868Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $507Total risk weighted assets
  • $124,893Total unused commitments
  • $0Restructured Loans and leases
  • $37,302Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $116,077Total interest income
  • $69,116Total interest expense
  • $46,961Net interest income
  • $9,700Provision for loan and lease losses
  • $18,794Total noninterest income
  • $674Fiduciary activities
  • $6,886Service charges on deposit accounts
  • $0Trading account gains & fees
  • $11,234Additional noninterest income
  • $52,550Total noninterest expense
  • $26,103Salaries and employee benefits
  • $9,895Premises and equipment expense
  • $16,552Additional noninterest expense
  • $3,505Pre-tax net operating income
  • -$2,132Securities gains (losses)
  • -$921Applicable income taxes
  • $2,294Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,294Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $9,500Sale, conversion, retirement of capital stock, net
  • $9,519Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.20%Yield on earning assets
  • 4.88%Cost of funding earning assets
  • 3.32%Net interest margin
  • 1.33%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 0.29%Net operating income to assets
  • 0.15%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 2.75%Return on equity (ROE)
  • -8.68%Retained earnings to average equity (YTD only)
  • 0.99%Net charge-offs to loans
  • 102.11%Credit loss provision to net charge-offs
  • 1.39%Efficiency ratio
  • 79,156Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 414.95%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 148.19%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 89.14%Net loans and leases to core deposits
  • 103.99%Equity capital to assets
  • 5.27%Core capital (leverage) ratio
  • 5.16%Tier 1 risk-based capital ratio
  • 7.00%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $1,549,755Average earning assets
  • $83,269Average equity
  • $1,414,933Average loans

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with FCNB Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents