Maryland National Bank in Baltimore, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 29, 1994

  • Maryland National Bank in Baltimore, Maryland (MD)
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Maryland National Bank - Overview

  • General
  • FDIC Certificate #: 23761
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: NationsBank, National Association (#12883)
    Federal Reserve ID: 248624
    Date Established: March 15, 1982
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 238 (Interstate: No)
    FDIC's unique #: 16612
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: March 15, 1982
    Last Structure Change Effective Date: April 29, 1994
    Last Structure Change Process Date: May 20, 1994
    Last Data Update: May 20, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 10 Light Street, Baltimore, MD 21203
    County: Baltimore City
    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
  • Merger - Without Assistance
    Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $13,917.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $4,731Total assets
  • $11,375,618Cash and due from depository institutions
  • $687,712Interest-bearing balances
  • $1,000Securities
  • $2,426,908Federal funds sold & reverse repurchase agreements
  • $1,426,900Net loans & leases
  • $6,087,086Loan loss allowance
  • $324,446Trading account assets
  • $5,328Bank premises and fixed assets
  • $152,483Other real estate owned
  • $118,840Goodwill and other intangibles
  • $234,831Life insurance assets
  • $235,530All other assets
  • $0Total liabilities and capital
  • $11,375,618Total liabilities
  • $10,250,059Total deposits
  • $7,494,049Interest-bearing deposits
  • $5,597,941Deposits held in domestic offices
  • 7419500.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $1,636,041Trading liabilities
  • $0Other borrowed funds
  • $1,025,194Subordinated debt
  • $0All other liabilities
  • $94,775Total equity capital
  • $94,775Total bank equity capital
  • $1,125,559Perpetual preferred stock
  • $39,000Common stock
  • $147,000Surplus
  • $904,755Undivided profits
  • Memoranda
  • $34,804Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $158,964Income earned, not collected on loans
  • $43,289Earning assets
  • $9,947,222Long-term assets (5+ years)
  • $2,356,897Average Assets, year-to-date
  • $11,716,686Average Assets, quarterly
  • $11,446,664Volatile liabilities
  • $3,170,213Insider loans
  • $23,765FHLB advances
  • $0Loans and leases held for sale
  • $99,885Unused loan commitments
  • $2,077,478Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $890,029Total risk weighted assets
  • $7,958,334Total unused commitments
  • $0Restructured Loans and leases
  • $6,693,112Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $182,862Total interest expense
  • $61,502Net interest income
  • $121,360Provision for loan and lease losses
  • $9,700Total noninterest income
  • $43,553Fiduciary activities
  • $0Service charges on deposit accounts
  • $22,223Trading account gains & fees
  • $548Additional noninterest income
  • $20,782Total noninterest expense
  • $102,735Salaries and employee benefits
  • $49,600Premises and equipment expense
  • $15,048Additional noninterest expense
  • $38,087Pre-tax net operating income
  • $52,478Securities gains (losses)
  • -$100Applicable income taxes
  • $17,020Income before extraordinary items
  • $35,358Extraordinary gains - net
  • $0Net income attributable to bank
  • $35,358Net charge-offs
  • $5,642Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 1.76%Cost of funding earning assets
  • 0.59%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 0.42%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.30%Pretax return on assets
  • 0.45%Return on equity (ROE)
  • 4.05%Retained earnings to average equity (YTD only)
  • 4.05%Net charge-offs to loans
  • 0.08%Credit loss provision to net charge-offs
  • 171.92%Efficiency ratio
  • 58,091Assets per employee
  • 2.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.06%Loss allowance to noncurrent loans
  • 204.10%Noncurrent assets plus other real estate owned to assets
  • 2.44%Noncurrent loans to loans
  • 2.48%Net loans and leases to deposits
  • 81.23%Net loans and leases to core deposits
  • 87.54%Equity capital to assets
  • 9.89%Core capital (leverage) ratio
  • 7.99%Tier 1 risk-based capital ratio
  • 11.18%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $11,716,686Average earning assets
  • $873,286Average equity
  • $10,408,337Average loans

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