The Annapolis Banking and Trust Company in Annapolis, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 14, 2007

  • The Annapolis Banking and Trust Company in Annapolis, Maryland (MD)
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The Annapolis Banking and Trust Company - Overview

  • General
  • FDIC Certificate #: 12172
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: PNC Bank, National Association (#6384)
    Federal Reserve ID: 809324
    Date Established: January 01, 1904
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 11 (Interstate: No)
    FDIC's unique #: 7729
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    Last Structure Change Effective Date: September 14, 2007
    Last Structure Change Process Date: December 31, 2007
    Last Data Update: December 31, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street And Church Circle, Annapolis, MD 21404
    County: Anne Arundel
    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: $492.8 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, 2006)

  • Dollar figures in thousands
  • 90Total employees (full-time equivalent)
  • $497,462Total assets
  • $14,162Cash and due from depository institutions
  • $894Interest-bearing balances
  • $120,963Securities
  • $30,116Federal funds sold & reverse repurchase agreements
  • $320,755Net loans & leases
  • $3,130Loan loss allowance
  • $0Trading account assets
  • $2,273Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $2,190Life insurance assets
  • $9,193All other assets
  • $497,462Total liabilities and capital
  • $454,281Total liabilities
  • $423,848Total deposits
  • $280,402Interest-bearing deposits
  • $423,848Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $24,580Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,900Subordinated debt
  • $1,953All other liabilities
  • $43,181Total equity capital
  • $43,181Total bank equity capital
  • $43,181Perpetual preferred stock
  • $0Common stock
  • $3,000Surplus
  • $4,017Undivided profits
  • Memoranda
  • $36,164Noncurrent loans and leases
  • $72,780Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $94Earning assets
  • $0Long-term assets (5+ years)
  • $1,858Average Assets, year-to-date
  • $472,728Average Assets, quarterly
  • $168,940Volatile liabilities
  • $483,500Insider loans
  • $490,171FHLB advances
  • $52,965Loans and leases held for sale
  • $10,275Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $72,780Total unused commitments
  • $0Restructured Loans and leases
  • $7,321Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $26,205Total interest income
  • $6,412Total interest expense
  • $19,793Net interest income
  • -$253Provision for loan and lease losses
  • $3,230Total noninterest income
  • $0Fiduciary activities
  • $1,516Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,714Additional noninterest income
  • $11,032Total noninterest expense
  • $5,485Salaries and employee benefits
  • $1,328Premises and equipment expense
  • $4,219Additional noninterest expense
  • $12,244Pre-tax net operating income
  • $0Securities gains (losses)
  • $4,258Applicable income taxes
  • $7,986Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,986Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$50Sale, conversion, retirement of capital stock, net
  • $6,551Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.69%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 4.30%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 2.40%Noninterest expense to earning assets
  • 1.65%Net operating income to assets
  • 1.65%Return on assets (ROA)
  • 2.53%Pretax return on assets
  • 19.02%Return on equity (ROE)
  • 3.42%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • 506.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 47,917Assets per employee
  • 5.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.03%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 3329.79%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 75.68%Net loans and leases to core deposits
  • 81.11%Equity capital to assets
  • 8.68%Core capital (leverage) ratio
  • 9.13%Tier 1 risk-based capital ratio
  • 12.91%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $483,500Average earning assets
  • $41,983Average equity
  • $460,440Average loans

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