Maryland Permanent Bank & Trust Company - Overview
General
FDIC Certificate #: 27555 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Northwest Savings Bank (#28178) Federal Reserve ID: 636575 Date Established: January 01, 1910 WWW:http://www.marylandpermanent.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 15994 FDIC's unique #: 40336 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: July 01, 1989 Last Structure Change Effective Date: May 19, 2006 Last Structure Change Process Date: June 07, 2006 Last Data Update: June 07, 2006 Data Source Date: April 05, 2012
Location
Address: 9612 Reisterstown Road, 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: $94.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
33Total employees (full-time equivalent)
$89,963Total assets
$2,925Cash and due from depository institutions
$46Interest-bearing balances
$9,739Securities
$5,020Federal funds sold & reverse repurchase agreements
$66,328Net loans & leases
$1,832Loan loss allowance
$0Trading account assets
$3,492Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,459All other assets
$89,963Total liabilities and capital
$80,926Total liabilities
$80,675Total deposits
$73,950Interest-bearing deposits
$80,675Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$251All other liabilities
$9,037Total equity capital
$9,037Total bank equity capital
$9,037Perpetual preferred stock
$0Common stock
$3,039Surplus
$9,156Undivided profits
Memoranda
$-3,158Noncurrent loans and leases
$29,970Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$484Earning assets
$0Long-term assets (5+ years)
$430Average Assets, year-to-date
$81,133Average Assets, quarterly
$6,468Volatile liabilities
$87,042Insider loans
$88,215FHLB advances
$16,112Loans and leases held for sale
$490Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$29,970Total unused commitments
$0Restructured Loans and leases
$941Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$5,673Total interest income
$2,370Total interest expense
$3,303Net interest income
-$150Provision for loan and lease losses
$448Total noninterest income
$0Fiduciary activities
$233Service charges on deposit accounts
$0Trading account gains & fees
$215Additional noninterest income
$3,982Total noninterest expense
$2,100Salaries and employee benefits
$468Premises and equipment expense
$1,414Additional noninterest expense
-$81Pre-tax net operating income
$0Securities gains (losses)
-$26Applicable income taxes
-$55Income before extraordinary items
$0Extraordinary gains - net
-$55Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$377Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.14%Yield on earning assets
2.98%Cost of funding earning assets
4.16%Net interest margin
0.56%Noninterest income to earning assets
5.01%Noninterest expense to earning assets
-0.06%Net operating income to assets
-0.06%Return on assets (ROA)
-0.09%Pretax return on assets
-0.60%Return on equity (ROE)
-0.60%Retained earnings to average equity (YTD only)
-0.57%Net charge-offs to loans
39.79%Credit loss provision to net charge-offs
0.00%Efficiency ratio
106,158Assets per employee
2.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.69%Loss allowance to noncurrent loans
378.51%Noncurrent assets plus other real estate owned to assets
0.54%Noncurrent loans to loans
0.71%Net loans and leases to deposits
82.22%Net loans and leases to core deposits
102.73%Equity capital to assets
10.05%Core capital (leverage) ratio
8.86%Tier 1 risk-based capital ratio
10.31%Total risk-based capital ratio
Memoranda
$12Average assets
$87,042Average earning assets
$9,109Average equity
$79,428Average loans
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