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

The National Bank of Cambridge - Overview

  • General
  • FDIC Certificate #: 4829
    Status: Active
    Federal Reserve ID: 746223
    Bank Holding Company (Regulatory Top Holder): Delmarva Bancshares, Inc. (RSSDID: 2706726, Location: Cambridge, MD)
    Date Established: January 01, 1880
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 3221
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 304 High Street, Cambridge, MD 21613
    County: Dorchester
    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
    Core Based Statistical Area (CBSA): Cambridge, MD (#15700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $201.2 mil
    Equity capital: $19.2 mil
    Deposits held in domestic offices: $177.7 mil
    Return on assets (ROA): -0.53% (-$1.1 mil)
    Quarterly return on assets: -0.86% (-$1.7 mil)
    Return on Equity (ROE): -4.83% (-$0.9 mil)
    Quarterly return on equity: -8.19% (-$1.6 mil)
    Net income: -$1.1 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -0.53% (-$1,066.2 mil)
    Quarterly Pretax return on assets: -0.32% (-$643.8 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, 2011)

  • Dollar figures in thousands
  • 40Total employees (full-time equivalent)
  • $201,174Total assets
  • $20,603Cash and due from depository institutions
  • $18,129Interest-bearing balances
  • $43,131Securities
  • $39Federal funds sold & reverse repurchase agreements
  • $117,677Net loans & leases
  • $3,351Loan loss allowance
  • $0Trading account assets
  • $3,072Bank premises and fixed assets
  • $6,498Other real estate owned
  • $0Goodwill and other intangibles
  • $201,174Life insurance assets
  • $10,154All other assets
  • $181,992Total liabilities and capital
  • $177,668Total liabilities
  • $143,030Total deposits
  • $177,668Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,324Subordinated debt
  • $19,182All other liabilities
  • $19,182Total equity capital
  • $19,182Total bank equity capital
  • $0Perpetual preferred stock
  • $5,907Common stock
  • $18,750Surplus
  • $-5,475Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,754Income earned, not collected on loans
  • $0Earning assets
  • $422Long-term assets (5+ years)
  • $178,976Average Assets, year-to-date
  • $66,569Average Assets, quarterly
  • $211,027Volatile liabilities
  • $206,175Insider loans
  • $125,083FHLB advances
  • $204,078Loans and leases held for sale
  • $7,361Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,911Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,361Total unused commitments
  • $12,226Restructured Loans and leases
  • $7,134Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,906Total interest income
  • $2,394Total interest expense
  • $5,512Net interest income
  • $955Provision for loan and lease losses
  • -$80Total noninterest income
  • $0Fiduciary activities
  • $354Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$434Additional noninterest income
  • $6,097Total noninterest expense
  • $2,939Salaries and employee benefits
  • $529Premises and equipment expense
  • $2,629Additional noninterest expense
  • -$1,620Pre-tax net operating income
  • $512Securities gains (losses)
  • $0Applicable income taxes
  • -$1,108Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,108Net income attributable to bank
  • $0Net charge-offs
  • -$1,108Cash dividends
  • $2,436Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 3.01%Net interest margin
  • -0.04%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • -0.77%Net operating income to assets
  • -0.53%Return on assets (ROA)
  • -0.53%Pretax return on assets
  • -4.83%Return on equity (ROE)
  • -4.83%Retained earnings to average equity (YTD only)
  • 1.92%Net charge-offs to loans
  • 39.20%Credit loss provision to net charge-offs
  • -0.27%Efficiency ratio
  • 112,242Assets per employee
  • 5.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.77%Loss allowance to noncurrent loans
  • 24.36%Noncurrent assets plus other real estate owned to assets
  • 10.07%Noncurrent loans to loans
  • 11.36%Net loans and leases to deposits
  • 66.23%Net loans and leases to core deposits
  • 72.23%Equity capital to assets
  • 9.54%Core capital (leverage) ratio
  • 9.27%Tier 1 risk-based capital ratio
  • 15.12%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $211,027Average earning assets
  • $22,938Average equity
  • $183,186Average loans

List of branches

  • 3 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03221The National Bank Of Cambridge304 High Street, Cambridge, MD 21613January 01, 1880Full Service Brick and Mortar
    1204568Woods Road BranchWoods Road, Dorchester County, MD 21613December 23, 1968Full Service Brick and Mortar
    2204569The Hurlock BranchSouth Main Street & Delaware Avenue, Hurlock, MD 21643November 15, 1973Full Service Brick and Mortar

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