The First National Bank of St. Mary's at Leonardtown in city_name, state_name

The First National Bank of St. Mary's at Leonardtown in Leonardtown, Maryland (MD)
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The First National Bank of St. Mary's at Leonardtown - Overview

General
FDIC Certificate #: 4853
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Mercantile Southern Maryland Bank (#18933)
Federal Reserve ID: 30025
Date Established: Febuary 09, 1903
WWW: http://www.firstnationalstmarys.com
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 6 (Interstate: No)
FDIC's unique #: 3232
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: January 01, 1934
Last Structure Change Effective Date: July 28, 2004
Last Structure Change Process Date: August 24, 2004
Last Data Update: August 24, 2004
Data Source Date: April 05, 2012
Location
Address: 5 East Park Avenue, Leonardtown, MD 20650
County: St. Mary's
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
Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
Core Based Statistical Area (CBSA): Lexington Park, MD (#30500)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $414.9 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, 2003)

Dollar figures in thousands
95Total employees (full-time equivalent)
$403,337Total assets
$7,345Cash and due from depository institutions
$215Interest-bearing balances
$141,975Securities
$10,536Federal funds sold & reverse repurchase agreements
$232,673Net loans & leases
$4,323Loan loss allowance
$0Trading account assets
$4,551Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$6,257All other assets
$403,337Total liabilities and capital
$363,270Total liabilities
$335,470Total deposits
$242,841Interest-bearing deposits
$335,470Deposits held in domestic offices
0.00%% insured (estimated)
$10,760Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$15,900Subordinated debt
$1,140All other liabilities
$40,067Total equity capital
$40,067Total bank equity capital
$40,067Perpetual preferred stock
$0Common stock
$999Surplus
$1,199Undivided profits
Memoranda
$37,869Noncurrent loans and leases
$35,065Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$1,921Average Assets, year-to-date
$385,399Average Assets, quarterly
$80,492Volatile liabilities
$398,130Insider loans
$406,104FHLB advances
$33,029Loans and leases held for sale
$3,427Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$35,065Total unused commitments
$0Restructured Loans and leases
$18,888Derivatives

Income and Expense (December 31, 2003)

Dollar figures in thousands
$21,049Total interest income
$2,869Total interest expense
$18,180Net interest income
-$340Provision for loan and lease losses
$2,748Total noninterest income
$0Fiduciary activities
$1,395Service charges on deposit accounts
$0Trading account gains & fees
$1,353Additional noninterest income
$7,755Total noninterest expense
$4,247Salaries and employee benefits
$718Premises and equipment expense
$2,790Additional noninterest expense
$13,513Pre-tax net operating income
$81Securities gains (losses)
$5,024Applicable income taxes
$8,570Income before extraordinary items
$0Extraordinary gains - net
$8,570Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$4Sale, conversion, retirement of capital stock, net
$18,960Net operating income

Performance and Condition Ratios (December 31, 2003)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.56%Yield on earning assets
0.76%Cost of funding earning assets
4.80%Net interest margin
0.73%Noninterest income to earning assets
2.05%Noninterest expense to earning assets
2.14%Net operating income to assets
2.15%Return on assets (ROA)
3.41%Pretax return on assets
18.24%Return on equity (ROE)
-22.11%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
-8500.00%Credit loss provision to net charge-offs
3293.25%Efficiency ratio
37,056Assets per employee
4.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
221.24%Loss allowance to loans
1.82%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
69.36%Net loans and leases to core deposits
74.29%Equity capital to assets
9.93%Core capital (leverage) ratio
9.84%Tier 1 risk-based capital ratio
16.73%Total risk-based capital ratio
Memoranda
$25Average assets
$398,130Average earning assets
$46,986Average equity
$378,748Average loans

The First National Bank of St. Mary's at Leonardtown in Leonardtown, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of St. Mary's at Leonardtown - Overview

Assets and Liabilities (December 31, 2003)

Income and Expense (December 31, 2003)

Performance and Condition Ratios (December 31, 2003)

Comment about this bank, ask questions, or add new information about it:

The First National Bank of St. Mary's at Leonardtown in Leonardtown, Maryland (MD)Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of St. Mary's at Leonardtown - Overview

Assets and Liabilities (December 31, 2003)

Income and Expense (December 31, 2003)

Performance and Condition Ratios (December 31, 2003)

Comment about this bank, ask questions, or add new information about it:

The First National Bank of St. Mary's at Leonardtown in Leonardtown, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches