Maryland Permanent Bank & Trust Company in Owings Mills, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 19, 2006

  • Maryland Permanent Bank & Trust Company in Owings Mills, Maryland (MD)
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Maryland Permanent Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 27555
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Northwest Savings Bank (#28178)
    Federal Reserve ID: 636575
    Date Established: January 01, 1910
    WWW: http://www.marylandpermanent.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 15994
    FDIC's unique #: 40336
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 01, 1989
    Last Structure Change Effective Date: May 19, 2006
    Last Structure Change Process Date: June 07, 2006
    Last Data Update: June 07, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 9612 Reisterstown Road, Owings Mills, MD 21117
    County: Baltimore
    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)
  • Financial Summary
  • Total assets: $94.1 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, 2005)

  • Dollar figures in thousands
  • 33Total employees (full-time equivalent)
  • $89,963Total assets
  • $2,925Cash and due from depository institutions
  • $46Interest-bearing balances
  • $9,739Securities
  • $5,020Federal funds sold & reverse repurchase agreements
  • $66,328Net loans & leases
  • $1,832Loan loss allowance
  • $0Trading account assets
  • $3,492Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,459All other assets
  • $89,963Total liabilities and capital
  • $80,926Total liabilities
  • $80,675Total deposits
  • $73,950Interest-bearing deposits
  • $80,675Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $251All other liabilities
  • $9,037Total equity capital
  • $9,037Total bank equity capital
  • $9,037Perpetual preferred stock
  • $0Common stock
  • $3,039Surplus
  • $9,156Undivided profits
  • Memoranda
  • $-3,158Noncurrent loans and leases
  • $29,970Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $484Earning assets
  • $0Long-term assets (5+ years)
  • $430Average Assets, year-to-date
  • $81,133Average Assets, quarterly
  • $6,468Volatile liabilities
  • $87,042Insider loans
  • $88,215FHLB advances
  • $16,112Loans and leases held for sale
  • $490Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $29,970Total unused commitments
  • $0Restructured Loans and leases
  • $941Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $5,673Total interest income
  • $2,370Total interest expense
  • $3,303Net interest income
  • -$150Provision for loan and lease losses
  • $448Total noninterest income
  • $0Fiduciary activities
  • $233Service charges on deposit accounts
  • $0Trading account gains & fees
  • $215Additional noninterest income
  • $3,982Total noninterest expense
  • $2,100Salaries and employee benefits
  • $468Premises and equipment expense
  • $1,414Additional noninterest expense
  • -$81Pre-tax net operating income
  • $0Securities gains (losses)
  • -$26Applicable income taxes
  • -$55Income before extraordinary items
  • $0Extraordinary gains - net
  • -$55Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$377Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.14%Yield on earning assets
  • 2.98%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 5.01%Noninterest expense to earning assets
  • -0.06%Net operating income to assets
  • -0.06%Return on assets (ROA)
  • -0.09%Pretax return on assets
  • -0.60%Return on equity (ROE)
  • -0.60%Retained earnings to average equity (YTD only)
  • -0.57%Net charge-offs to loans
  • 39.79%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 106,158Assets per employee
  • 2.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.69%Loss allowance to noncurrent loans
  • 378.51%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.71%Net loans and leases to deposits
  • 82.22%Net loans and leases to core deposits
  • 102.73%Equity capital to assets
  • 10.05%Core capital (leverage) ratio
  • 8.86%Tier 1 risk-based capital ratio
  • 10.31%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $87,042Average earning assets
  • $9,109Average equity
  • $79,428Average loans

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