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

This bank is inactive as of November 29, 1994

  • The Bank of Baltimore in Baltimore, Maryland (MD)
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The Bank of Baltimore - Overview

  • General
  • FDIC Certificate #: 16981
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Wachovia Bank, National Association (#33869)
    Federal Reserve ID: 210724
    Date Established: March 16, 1818
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 41 (Interstate: No)
    FDIC's unique #: 11055
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 19, 1951
    Last Structure Change Effective Date: November 29, 1994
    Last Structure Change Process Date: January 24, 1995
    Last Data Update: January 24, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Baltimore And Charles Streets, 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)
  • Financial Summary
  • Total assets: $2,168.9 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)
  • $1,163Total assets
  • $2,238,440Cash and due from depository institutions
  • $57,087Interest-bearing balances
  • $10,075Securities
  • $543,188Federal funds sold & reverse repurchase agreements
  • $41,500Net loans & leases
  • $1,440,355Loan loss allowance
  • $38,684Trading account assets
  • $0Bank premises and fixed assets
  • $31,013Other real estate owned
  • $47,393Goodwill and other intangibles
  • $67,666Life insurance assets
  • $10,238All other assets
  • $0Total liabilities and capital
  • $2,238,440Total liabilities
  • $2,076,741Total deposits
  • $1,982,785Interest-bearing deposits
  • $1,825,781Deposits held in domestic offices
  • 1982785.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $60,980Trading liabilities
  • $0Other borrowed funds
  • $12,476Subordinated debt
  • $0All other liabilities
  • $20,500Total equity capital
  • $20,500Total bank equity capital
  • $161,699Perpetual preferred stock
  • $0Common stock
  • $23,604Surplus
  • $102,971Undivided profits
  • Memoranda
  • $35,124Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $45,311Income earned, not collected on loans
  • $9,136Earning assets
  • $2,035,118Long-term assets (5+ years)
  • $351,011Average Assets, year-to-date
  • $2,328,538Average Assets, quarterly
  • $2,280,037Volatile liabilities
  • $130,287Insider loans
  • $59FHLB advances
  • $0Loans and leases held for sale
  • $167,336Unused loan commitments
  • $843,971Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $161,013Total risk weighted assets
  • $1,653,460Total unused commitments
  • $0Restructured Loans and leases
  • $200,000Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $171,928Total interest expense
  • $75,779Net interest income
  • $96,149Provision for loan and lease losses
  • $22,000Total noninterest income
  • $41,937Fiduciary activities
  • $0Service charges on deposit accounts
  • $7,686Trading account gains & fees
  • $12Additional noninterest income
  • $34,239Total noninterest expense
  • $119,688Salaries and employee benefits
  • $46,922Premises and equipment expense
  • $16,916Additional noninterest expense
  • $55,848Pre-tax net operating income
  • -$3,600Securities gains (losses)
  • $10,408Applicable income taxes
  • -$2,758Income before extraordinary items
  • $9,566Extraordinary gains - net
  • $0Net income attributable to bank
  • $9,566Net charge-offs
  • $49,215Cash 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
  • 8.21%Cost of funding earning assets
  • 3.62%Net interest margin
  • 4.59%Noninterest income to earning assets
  • 2.00%Noninterest expense to earning assets
  • 5.72%Net operating income to assets
  • -0.04%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 0.29%Return on equity (ROE)
  • 6.35%Retained earnings to average equity (YTD only)
  • 6.35%Net charge-offs to loans
  • 3.23%Credit loss provision to net charge-offs
  • 44.70%Efficiency ratio
  • 79,494Assets per employee
  • 1.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.62%Loss allowance to noncurrent loans
  • 85.37%Noncurrent assets plus other real estate owned to assets
  • 4.14%Noncurrent loans to loans
  • 3.06%Net loans and leases to deposits
  • 72.64%Net loans and leases to core deposits
  • 75.22%Equity capital to assets
  • 7.22%Core capital (leverage) ratio
  • 7.10%Tier 1 risk-based capital ratio
  • 9.74%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $2,328,538Average earning assets
  • $150,741Average equity
  • $2,094,137Average loans

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