Chesapeake Bank of Maryland in Parkville, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Chesapeake Bank of Maryland in Parkville, Maryland (MD)
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Chesapeake Bank of Maryland - Overview

  • General
  • FDIC Certificate #: 28684
    Status: Active
    Federal Reserve ID: 204077
    Date Established: January 01, 1913
    WWW: http://www.chesapeakebank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 2148
    FDIC's unique #: 41518
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: August 27, 1958
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2001 East Joppa Road, Parkville, MD 21234
    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)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $197.8 mil
    Equity capital: $20.9 mil
    Deposits held in domestic offices: $175.4 mil
    Return on assets (ROA): 0.20% ($0.4 mil)
    Quarterly return on assets: 0.12% ($0.2 mil)
    Return on Equity (ROE): 1.88% ($0.4 mil)
    Quarterly return on equity: 1.17% ($0.2 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.20% ($395.6 mil)
    Quarterly Pretax return on assets: 0.15% ($296.7 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
  • 47Total employees (full-time equivalent)
  • $197,800Total assets
  • $38,878Cash and due from depository institutions
  • $31,934Interest-bearing balances
  • $21,726Securities
  • $1,825Federal funds sold & reverse repurchase agreements
  • $121,243Net loans & leases
  • $1,110Loan loss allowance
  • $0Trading account assets
  • $2,322Bank premises and fixed assets
  • $2,894Other real estate owned
  • $0Goodwill and other intangibles
  • $197,800Life insurance assets
  • $8,912All other assets
  • $176,939Total liabilities and capital
  • $175,416Total liabilities
  • $164,670Total deposits
  • $175,416Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,523Subordinated debt
  • $20,861All other liabilities
  • $20,861Total equity capital
  • $20,861Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $534Surplus
  • $20,326Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,937Income earned, not collected on loans
  • $0Earning assets
  • $492Long-term assets (5+ years)
  • $176,728Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $198,537Volatile liabilities
  • $197,621Insider loans
  • $114,633FHLB advances
  • $196,277Loans and leases held for sale
  • $5,625Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,338Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,754Restructured Loans and leases
  • $3Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,513Total interest income
  • $2,600Total interest expense
  • $4,913Net interest income
  • $34Provision for loan and lease losses
  • $620Total noninterest income
  • $0Fiduciary activities
  • $65Service charges on deposit accounts
  • $0Trading account gains & fees
  • $555Additional noninterest income
  • $5,097Total noninterest expense
  • $2,825Salaries and employee benefits
  • $1,162Premises and equipment expense
  • $1,110Additional noninterest expense
  • $402Pre-tax net operating income
  • $0Securities gains (losses)
  • $13Applicable income taxes
  • $389Income before extraordinary items
  • $0Extraordinary gains - net
  • $389Net income attributable to bank
  • $0Net charge-offs
  • $389Cash dividends
  • $244Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.24%Yield on earning assets
  • 1.47%Cost of funding earning assets
  • 2.77%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.88%Noninterest expense to earning assets
  • 0.20%Net operating income to assets
  • 0.20%Return on assets (ROA)
  • 0.20%Pretax return on assets
  • 1.88%Return on equity (ROE)
  • 1.88%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 13.93%Credit loss provision to net charge-offs
  • 1.79%Efficiency ratio
  • 92,120Assets per employee
  • 4.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.91%Loss allowance to noncurrent loans
  • 28.19%Noncurrent assets plus other real estate owned to assets
  • 3.45%Noncurrent loans to loans
  • 3.22%Net loans and leases to deposits
  • 69.12%Net loans and leases to core deposits
  • 71.99%Equity capital to assets
  • 10.55%Core capital (leverage) ratio
  • 9.85%Tier 1 risk-based capital ratio
  • 16.87%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $198,537Average earning assets
  • $20,666Average equity
  • $177,219Average loans

List of branches

  • 5 Maryland Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041518Chesapeake Bank Of Maryland2001 East Joppa Road, Parkville, MD 21234January 01, 1913Full Service Brick and Mortar
    22700562240 Eastern Avenue Branch2240 Eastern Avenue, Baltimore, MD 21231January 01, 1913Full Service Brick and Mortar
    100410585424 Carville Ave Branch5424 Carville Avenue, Halethorpe, MD 21227January 01, 1926Full Service Brick and Mortar
    102270058Pasadena Branch3820 Mountain Rd, Pasadena, MD 21122June 30, 1988Full Service Brick and Mortar
    107441433Bel Air Branch1 A Bel Air South Parkway, Bel Air, MD 21015March 08, 2003Full Service Brick and Mortar

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