The Caroline County Bank in Greensboro, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 07, 1998

  • The Caroline County Bank in Greensboro, Maryland (MD)
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The Caroline County Bank - Overview

  • General
  • FDIC Certificate #: 11378
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Farmers Bank of Maryland (#4821)
    Federal Reserve ID: 712527
    Date Established: April 02, 1902
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 7266
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 07, 1998
    Last Structure Change Process Date: March 20, 1998
    Last Data Update: March 20, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: Sunset And Main, Greensboro, MD 21639
    County: Caroline
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Baltimore
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $29.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 8Total employees (full-time equivalent)
  • $29,255Total assets
  • $709Cash and due from depository institutions
  • $0Interest-bearing balances
  • $9,373Securities
  • $1,700Federal funds sold & reverse repurchase agreements
  • $16,789Net loans & leases
  • $237Loan loss allowance
  • $0Trading account assets
  • $232Bank premises and fixed assets
  • $82Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $370All other assets
  • $29,255Total liabilities and capital
  • $26,398Total liabilities
  • $26,099Total deposits
  • $22,608Interest-bearing deposits
  • $26,099Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $299All other liabilities
  • $2,857Total equity capital
  • $2,857Total bank equity capital
  • $2,857Perpetual preferred stock
  • $0Common stock
  • $196Surplus
  • $1,000Undivided profits
  • Memoranda
  • $1,661Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $160Earning assets
  • $0Long-term assets (5+ years)
  • $93Average Assets, year-to-date
  • $27,862Average Assets, quarterly
  • $9,055Volatile liabilities
  • $29,198Insider loans
  • $29,235FHLB advances
  • $1,845Loans and leases held for sale
  • $705Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,189Total unused commitments
  • $0Restructured Loans and leases
  • $15,467Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $2,171Total interest income
  • $973Total interest expense
  • $1,198Net interest income
  • -$25Provision for loan and lease losses
  • $170Total noninterest income
  • $0Fiduciary activities
  • $111Service charges on deposit accounts
  • $0Trading account gains & fees
  • $59Additional noninterest income
  • $769Total noninterest expense
  • $291Salaries and employee benefits
  • $63Premises and equipment expense
  • $415Additional noninterest expense
  • $624Pre-tax net operating income
  • $0Securities gains (losses)
  • $208Applicable income taxes
  • $416Income before extraordinary items
  • $0Extraordinary gains - net
  • $416Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.81%Yield on earning assets
  • 3.50%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 1.42%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 2.14%Pretax return on assets
  • 15.71%Return on equity (ROE)
  • 15.71%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 56,213Assets per employee
  • 3.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 148.13%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 0.94%Net loans and leases to deposits
  • 64.33%Net loans and leases to core deposits
  • 69.22%Equity capital to assets
  • 9.77%Core capital (leverage) ratio
  • 9.80%Tier 1 risk-based capital ratio
  • 18.47%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $29,198Average earning assets
  • $2,647Average equity
  • $27,799Average loans

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