FDIC Certificate #: 34795 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:CommunityBanks (#12984) Federal Reserve ID: 878982 Date Established: January 01, 1970 WWW:http://www.bucsfederal.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 14379 FDIC's unique #: 61642 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: March 02, 1998 Last Structure Change Effective Date: April 01, 2007 Last Structure Change Process Date: June 11, 2007 Last Data Update: June 11, 2007 Data Source Date: April 05, 2012
Location
Address: 10455 Mill Run Circle, Owings Mills, MD 21117 County: Baltimore 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: $145.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
46Total employees (full-time equivalent)
$150,068Total assets
$8,742Cash and due from depository institutions
$5,833Interest-bearing balances
$9,571Securities
$0Federal funds sold & reverse repurchase agreements
$123,178Net loans & leases
$790Loan loss allowance
$0Trading account assets
$3,583Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$2,295Life insurance assets
$4,994All other assets
$150,068Total liabilities and capital
$136,956Total liabilities
$114,246Total deposits
$97,991Interest-bearing deposits
$114,246Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$20,536Other borrowed funds
$0Subordinated debt
$2,174All other liabilities
$13,112Total equity capital
$13,112Total bank equity capital
$13,112Perpetual preferred stock
$0Common stock
$10Surplus
$3,566Undivided profits
Memoranda
$9,536Noncurrent loans and leases
$37,002Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$257Earning assets
$0Long-term assets (5+ years)
$654Average Assets, year-to-date
$138,582Average Assets, quarterly
$0Volatile liabilities
$143,274Insider loans
$149,049FHLB advances
$37,574Loans and leases held for sale
$1,879Unused loan commitments
$20,400Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$37,002Total unused commitments
$1,295Restructured Loans and leases
$790Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$8,615Total interest income
$3,975Total interest expense
$4,640Net interest income
$476Provision for loan and lease losses
$3,051Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$3,051Additional noninterest income
$5,830Total noninterest expense
$3,166Salaries and employee benefits
$972Premises and equipment expense
$1,692Additional noninterest expense
$1,385Pre-tax net operating income
$0Securities gains (losses)
$535Applicable income taxes
$850Income before extraordinary items
$0Extraordinary gains - net
$850Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$353Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.55%Yield on earning assets
3.02%Cost of funding earning assets
3.53%Net interest margin
2.32%Noninterest income to earning assets
4.43%Noninterest expense to earning assets
0.59%Net operating income to assets
0.59%Return on assets (ROA)
0.97%Pretax return on assets
6.87%Return on equity (ROE)
6.87%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
134.84%Credit loss provision to net charge-offs
5.27%Efficiency ratio
75,803Assets per employee
3.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.64%Loss allowance to noncurrent loans
307.39%Noncurrent assets plus other real estate owned to assets
0.17%Noncurrent loans to loans
0.21%Net loans and leases to deposits
107.82%Net loans and leases to core deposits
126.72%Equity capital to assets
8.74%Core capital (leverage) ratio
8.74%Tier 1 risk-based capital ratio
10.78%Total risk-based capital ratio
Memoranda
$11Average assets
$143,274Average earning assets
$12,380Average equity
$131,492Average loans
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