Maryland Bank and Trust Company, National Association in Lexington Park, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2011

Maryland Bank and Trust Company, National Association - Overview

  • General
  • FDIC Certificate #: 18115
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Old Line Bank (#27599)
    Federal Reserve ID: 33727
    Date Established: November 30, 1959
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 10 (Interstate: No)
    FDIC's unique #: 12037
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: November 30, 1959
    Last Structure Change Effective Date: April 01, 2011
    Last Structure Change Process Date: April 12, 2011
    Last Data Update: April 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 46930 South Shangri La Drive, Lexington Park, MD 20653
    County: St. Mary's
    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
    Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
    Core Based Statistical Area (CBSA): Lexington Park, MD (#30500)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $345.9 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, 2010)

  • Dollar figures in thousands
  • 103Total employees (full-time equivalent)
  • $348,099Total assets
  • $30,105Cash and due from depository institutions
  • $22,518Interest-bearing balances
  • $71,531Securities
  • $7,712Federal funds sold & reverse repurchase agreements
  • $210,485Net loans & leases
  • $6,557Loan loss allowance
  • $0Trading account assets
  • $3,511Bank premises and fixed assets
  • $5,512Other real estate owned
  • $0Goodwill and other intangibles
  • $7,445Life insurance assets
  • $19,243All other assets
  • $348,099Total liabilities and capital
  • $318,681Total liabilities
  • $293,184Total deposits
  • $198,790Interest-bearing deposits
  • $293,184Deposits held in domestic offices
  • 95.74%% insured (estimated)
  • $19,374Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $11Other borrowed funds
  • $0Subordinated debt
  • $6,112All other liabilities
  • $29,418Total equity capital
  • $29,418Total bank equity capital
  • $29,418Perpetual preferred stock
  • $0Common stock
  • $9,161Surplus
  • $9,161Undivided profits
  • Memoranda
  • $11,096Noncurrent loans and leases
  • $20,337Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $14,112Earning assets
  • $0Long-term assets (5+ years)
  • $1,219Average Assets, year-to-date
  • $312,246Average Assets, quarterly
  • $129,344Volatile liabilities
  • $349,449Insider loans
  • $347,324FHLB advances
  • $63,121Loans and leases held for sale
  • $906Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $20,337Total unused commitments
  • $0Restructured Loans and leases
  • $2,769Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $16,253Total interest income
  • $3,303Total interest expense
  • $12,950Net interest income
  • $3,571Provision for loan and lease losses
  • $1,670Total noninterest income
  • $0Fiduciary activities
  • $975Service charges on deposit accounts
  • $0Trading account gains & fees
  • $695Additional noninterest income
  • $13,758Total noninterest expense
  • $7,108Salaries and employee benefits
  • $1,828Premises and equipment expense
  • $4,822Additional noninterest expense
  • -$2,709Pre-tax net operating income
  • $997Securities gains (losses)
  • -$824Applicable income taxes
  • -$888Income before extraordinary items
  • $0Extraordinary gains - net
  • -$888Net income attributable to bank
  • $0Net charge-offs
  • -$888Cash dividends
  • $3,205Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 4.40%Noninterest expense to earning assets
  • -0.44%Net operating income to assets
  • -0.25%Return on assets (ROA)
  • -0.49%Pretax return on assets
  • -2.94%Return on equity (ROE)
  • -2.94%Retained earnings to average equity (YTD only)
  • 1.42%Net charge-offs to loans
  • 111.42%Credit loss provision to net charge-offs
  • 0.27%Efficiency ratio
  • 94,104Assets per employee
  • 3.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.02%Loss allowance to noncurrent loans
  • 46.46%Noncurrent assets plus other real estate owned to assets
  • 5.64%Noncurrent loans to loans
  • 6.50%Net loans and leases to deposits
  • 71.79%Net loans and leases to core deposits
  • 84.38%Equity capital to assets
  • 8.45%Core capital (leverage) ratio
  • 8.76%Tier 1 risk-based capital ratio
  • 13.87%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $349,449Average earning assets
  • $30,187Average equity
  • $312,469Average loans

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