Madison Bank of Maryland in Forest Hill, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Madison Bank of Maryland in Forest Hill, Maryland (MD)
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Madison Bank of Maryland - Overview

  • General
  • FDIC Certificate #: 32331
    Status: Active
    Federal Reserve ID: 310071
    Date Established: May 04, 1904
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 8152
    FDIC's unique #: 45165
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: June 06, 1985
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1920 Rock Spring Road, Forest Hill, MD 21050
    County: Harford
    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)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $148.0 mil
    Equity capital: $19.6 mil
    Deposits held in domestic offices: $115.7 mil
    Return on assets (ROA): 0.16% ($0.2 mil)
    Quarterly return on assets: 0.35% ($0.5 mil)
    Return on Equity (ROE): 1.25% ($0.3 mil)
    Quarterly return on equity: 2.70% ($0.5 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.25% ($369.9 mil)
    Quarterly Pretax return on assets: 0.57% ($843.4 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
  • 44Total employees (full-time equivalent)
  • $147,968Total assets
  • $9,286Cash and due from depository institutions
  • $4,745Interest-bearing balances
  • $15,475Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $113,132Net loans & leases
  • $1,718Loan loss allowance
  • $0Trading account assets
  • $4,896Bank premises and fixed assets
  • $1,224Other real estate owned
  • $0Goodwill and other intangibles
  • $147,968Life insurance assets
  • $3,955All other assets
  • $128,347Total liabilities and capital
  • $115,679Total liabilities
  • $115,087Total deposits
  • $115,679Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,000Trading liabilities
  • $0Other borrowed funds
  • $668Subordinated debt
  • $19,621All other liabilities
  • $19,621Total equity capital
  • $19,621Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $19,621Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,490Income earned, not collected on loans
  • $0Earning assets
  • $458Long-term assets (5+ years)
  • $133,352Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $154,689Volatile liabilities
  • $150,301Insider loans
  • $85,818FHLB advances
  • $147,925Loans and leases held for sale
  • $903Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,595Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,963Restructured Loans and leases
  • $1,534Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,799Total interest income
  • $2,211Total interest expense
  • $4,588Net interest income
  • $399Provision for loan and lease losses
  • $147Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $147Additional noninterest income
  • $3,950Total noninterest expense
  • $2,358Salaries and employee benefits
  • $838Premises and equipment expense
  • $754Additional noninterest expense
  • $386Pre-tax net operating income
  • $0Securities gains (losses)
  • $145Applicable income taxes
  • $241Income before extraordinary items
  • $0Extraordinary gains - net
  • $241Net income attributable to bank
  • $0Net charge-offs
  • $241Cash dividends
  • $63Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.10%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 0.16%Net operating income to assets
  • 0.16%Return on assets (ROA)
  • 0.25%Pretax return on assets
  • 1.25%Return on equity (ROE)
  • 1.25%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 633.33%Credit loss provision to net charge-offs
  • 12.46%Efficiency ratio
  • 83,421Assets per employee
  • 3.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 22.94%Noncurrent assets plus other real estate owned to assets
  • 5.89%Noncurrent loans to loans
  • 6.52%Net loans and leases to deposits
  • 97.80%Net loans and leases to core deposits
  • 99.29%Equity capital to assets
  • 13.26%Core capital (leverage) ratio
  • 13.25%Tier 1 risk-based capital ratio
  • 22.83%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $154,689Average earning assets
  • $19,357Average equity
  • $141,204Average loans

List of branches

  • 5 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045165Madison Bank Of Maryland1920 Rock Spring Road, Forest Hill, MD 21050May 04, 1904Full Service Brick and Mortar
    142347Bohemian American Branch8056 Philadelphia Rd, Baltimore, MD 21237January 01, 1899Full Service Brick and Mortar
    2275297Aberdeen Branch501 Stepney Road, Aberdeen, MD 21001May 11, 1998Full Service Brick and Mortar
    3363671Harford Road Branch6800 Harford Road, Baltimore, MD 21234March 04, 2002Full Service Brick and Mortar
    445490Back And Middle River Branch1520 0ld Eastern Ave, Essex, MD 21221March 01, 1912Full Service Brick and Mortar

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