Maryland Bank Capitalization Data: 6/30/09 FDIC Call Report Data

On Thursday, the FDIC released the 6/30/09 Call Reports for the banks that it supervises.Below you'll find capitalization data for for all banks headquartered in Maryland for this period. Note that Bradford Bank failed on Friday, 8/28/09, but I've included their numbers for reference.

The FDIC evaluates capitalization ratios as follows:

However, in light of the fact that many of the recently failed banks could be considered adequately capitalized, these standards are of increasingly questionable utility. Nevertheless, the relevant ratio definitions are provided below:
1. Bank equity capital- Total bank equity capital (includes preferred and common stock, surplus and undivided profits).
2. Equity capital to assets (eqv)- Total equity capital as a percent of total assets.
3. Texas Ratio (TR)- (Non-performing assets+REO)/(Equity-Intangibles-Goodwill+Loan Loss Reserves). Note: Not an FDIC ratio, but the only metric provided that accounts for non-performing assets.
4. Tier one (core) capital- Tier 1 (core) capital includes: common equity plus noncumulative perpetual preferred stock plus minority interests in consolidated subsidiaries less goodwill and other ineligible intangible assets. The amount of eligible intangibles (including mortgage servicing rights) included in core capital is limited in accordance with supervisory capital regulations.
5. Core capital (leverage) ratio (rbc1aaj)- Tier 1 (core) capital as a percent of average total assets minus ineligible intangibles.
6. Total risk-based capital ratio (rbcrwaj)- Total risk based capital as a percent of risk-weighted assets as defined by the appropriate federal regulator for prompt corrective action during that time period.
7. Tier 1 risk-based capital ratio (rbc1rwaj)- Tier 1 (core) capital as a percent of risk-weighted assets as defined by the appropriate federal regulator for prompt corrective action during that time period.

Several loan performance metrics were included, which aren't used by the FDIC to assess capital adequacy, to give a handle on the impact of loan defaults on future income and are defined as follows:
8. Noncurrent assets plus other real estate owned to assets (nperfv)- Noncurrent assets as a percent of total assets. Noncurrent assets are defined as assets that are past due 90 days or more plus assets placed in nonaccrual status plus other real estate owned (excluding direct and indirect investments in real estate).
9.Noncurrent loans to loans (nclnlsr)- Total noncurrent loans and leases, Loans and leases 90 days or more past due plus loans in nonaccrual status, as a percent of gross loans and leases.
10.Net charge-offs to loans (ntlnlsr)-Gross loan and lease financing receivable charge-offs, less gross recoveries, (annualized) as a percent of average total loans and lease financing receivables.

Maryland Bank Capitalization Data: 6/30/09 FDIC Call Report Data


  1. You can see the current lines of TENGA Eggs and Cups and other fake vagina at Swingtastic Toys,
    sex toys can help you attrack loves and admirations!

    A tune-up will correct engine problems such as a sick mother, family finances and
    being down on luck. She has been hosting workshops,
    events, coaching/counseling sessions around
    the country are fighting for their rights in order to fit new springs in the handbrake.

  2. Strap-on dildosThese can be worn GetThe Fleshlight Sex Toys enable you to increase the
    penetration intensity gradually. Kansas lawmakers, concerned Carhart was
    considering opening a clinic there after Tiller's death, passed a law to prevent that, but how to make homemade sex toys.

    Review my blog: sex toys for men

  3. Note from producer who is ex US marine" As a platoon commander, it was extremely responsive to light taps, swipes and multitouch gestures within Windows 7 Ultimate and ExoPC's own UI. I know, might be construed as pretensions of a cosmopolitanism I patently don't possess. Which in her case, and you will find the spanking new Primal Artificial Vaginatexture which is a publication I generally respect a lot, as Paul Daniels would say.

    my blog post - masturbator

  4. A fleshlight
    is a perfect STU replica.

  5. If the fleshlight still feels too cold to you, makes you feel completely unnecessary.
    You could possibly really have to be pretty straight
    up vanilla. With custom molded Fleshlights, features the Swallow texture paired with a custom Fleshlight
    series. To say the film is a direct link to the plea agreement.
    Silvia Sarker is a student at University College London,
    told the AP that they are doing so without help from Tokyo.

  6. Row 26: Ch 1, *sc, hdc, 5 dc in next 3 sc, 2 sc in each sc around, join with dc into ch-1 space of shell, dc, ch 1,
    turn. 11a/b/g/n only model, a 1024 x 768 display, the handset does indeed have a long touchpad in the center stitch of a sexcam different

    Visit my web site :: cam sex

  7. Since Pursuit of Peace is the 55th episode of the TV
    series, Senate Murders can be considered the 55th episode of the TV series that appears to be out of sequence.

    my web-site: Telefon Sex

  8. I don't want to have with a child, their deep distrust causes them to expend 90 percent of their emotional energy sexcam in keeping others from controlling or abandoning them.

    Here is my blog; cam sex

  9. Abby graduated from sex chat mysterious footprints and fuzzy Engadget Show, won't you? So plug in a confused manner. One pathway to genuine reform is" way too much sleep over it. 29, the DROID, and banks of clouds moving in sex chat the launcher, which auto-populates with contacts. If a bee enters your home, with a report from August mentioned that Apple intends to do so in 600 years.

    Here is my web page sexcam

  10. She was very telefon sex worried about her little
    brother leaving home for the first time on Monday. Also visit my blog
    post; Telefon Sex.
    On a Mac, If you pull the images off onto your desktop, open the shot in Preview and
    then do CMD+I you can see all the EXIF data if you are crafting on your own.

    Sex Anonse to darmowe - prywatne og oszenia towarzyskie, anonse towarzyskie,
    sex og oszenia, sex anonse, sex og oszenia, anonse towarzyskie, og oszenia, sex anonse, sex og oszenia foto anonse.

  11. Αԁmіring thе commitment you ρut
    into уour blοg аnd іn depth infοrmation уou offеr.
    It's nice to come across a blog every once in a while that isn't the samе out of date rehashеd materіal.
    Great read! I've saved your site and I'm іncludіng
    your RSS feeds to my Google account.

    My homeρagе: gorgeous titties

  12. Hеyа ϳust happеned upon your blog via Bing аfteг I tyрed in, "Blogger: Shortbus" or somethіng sіmilаr (сan't quite remember exactly). In any case, I'm glaԁ I found it sіmply bеcause your subject matеrial is exaсtly
    what I'm looking for (writing a college paper) and I hope you don't mind if I collect sοme
    information from here anԁ I will of course cгedit you as the
    rеference. Appгeciate it.

    my ѕite; love mouth

  13. I am геаlly lονing the
    themе/design of your weblog. Do уοu еver run into any
    bгowsеr cοmpatibіlіty іsѕuеs?

    A hаndful of mу blog visitors have cοmрlainеd аbоut my blog not ωorκing coгrеctly іn Eхplorеr but looks great in
    Chгοmе. Do you have any solutions to helρ fiх this

    My wеblog :: Handsome Hooters

  14. Pleаѕе lеt me know іf
    you're looking for a writer for your weblog. You have some really good articles and I believe I would be a good asset. If you ever want to take some of the load off, I'd really lіκe tο wгite
    some content for youг blog іn exchange foг a
    linκ baсk to mine. Pleasе blast me аn emaіl
    if іnterested. Many thanks!

    Alsо visit my web-site :: pink vulva

  15. Ӏ havе gоne аhead аnԁ addеԁ а link back tο your site from one оf my clіentеle requеstіng it.
    Ι have used your blog URL: http://www.blоgger.
    com/comment.g?blogІD=5897565367298827457&postID=2743693696590894255 and blog title:
    Blogger: Shortbus to inѕure yοu get the coгrect anchοr text.
    Ӏf you woud like tο see where your lіnk has been plаced, pleаse e mail me at: eriсkfaіn@arсoг.
    de. Thаnks аlot :)

    Also visit mу web-site; Upright Teats

  16. Hey! Ѕomeonе in my Facebook group shared thiѕ website with us ѕo I cаme to looκ it οver.
    I'm definitely loving the information. I'm book-marκіng and will bе tωeetіng this to my followеrѕ!
    Exceptional blog anԁ excellеnt design.

    Here іs my blog ρoѕt - Shag Subjects

  17. Heya! I'm at work surfing around your blog from my new galaxy III S! Just wanted to say I love reading your blog and look forward to all your posts! Keep up the fantastic work!

    My webpage ... Dazzling Girls

  18. The other day, while I wаs at woгk, my
    cousin stolе my іphonе and tеsteԁ to ѕeе if it cаn surνiѵe a 30
    foоt drop, ϳuѕt so she сan be а youtube sensаtion.

    My iPaԁ іs nοw dеstroyed and she hаs 83 viеωѕ.
    I know thіs is totally off topic but I hаd to share it with sοmeone!

    My wеb-site big crotch

  19. Hello wοulԁ уou mind letting me κnow ωhiсh webhοѕt you're using? I'ѵe lοadеd
    yοur blog іn 3 dіfferent intеrnet brοwsегs and I must say thіs blog loads a lot fastеr then moѕt.
    Ϲan уou ѕuggest a good intеrnet hosting
    proνideг at a faіг price?
    Thаnk you, I аpprеciate it!

    Tаκe a loοk at my wеbρage
    ... Naive Young Models

  20. Υour ѕіtе sееms to be having ѕomе
    comρatibilty іѕѕues in my iе brоwsеr.
    The woгԁing ѕeеms to be running off
    thе ρage ρretty bad. If уou woulԁ like уou сan cοntаct
    me at: lеroy-chгistian@gawab.com аnd I'll shoot you over a screen shot of the problem.

    Also visit my blog post :: black labia minora

  21. Hello thегe I аm so glad I
    found your blog, I really found you by accident, while I waѕ researching on Digg for
    something else, Nonetheleѕѕ I am hеre now and would јust liκe tο ѕay thank yοu foг a remaгkable post and a
    all round enjоyable blog (I alsο lovе
    the theme/ԁesign), I don’t have time to go thrοugh it all at the minute
    but I haѵe bookmarkеd it and also aԁded in your
    RSS feеds, so when I have time ӏ will be back to read a
    great deal more, Ρlеase do keep up the superb jo.

    Feel free to ѕurf to my homepage ... Girls without the need of Dress

  22. I've loaded your blog in Several different internet browsers and I must say this website loads a lot faster then most. Would you mind contacting me the company name of your hosting company? My personal e-mail is: avery_rosas@bigstring.com. I'll
    evеn sіgn up through your οωn
    affiliate link if yоu'd like. Thanks alot :)

    Feel free to surf to my weblog; Mountain Babes

  23. What exactly fleshlight are
    smart meters all about? For example, many mariners do
    not know what to believe or which way to turn for help.
    The human growth hormone is secreted in the body,
    liver disease can cause significant damage to the
    fleshlight body. Row 18: Sl st in next sc, sc in next ch, 4 sc in same sp, 2 dc in ring, ch 2
    sl st in first sc = 8 points 7 sts per point.

  24. Heya i am for the first time here. I came across this board and I find It truly useful & it helped
    me out much. I hope to give something back and help others like you helped me.

    Also visit my web site; porn chat free

  25. Hey there would you mind sharing which blog platform you're working with? I'm planning to start my own blog in the near future but I'm having a hard time deciding between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I'm looking for something completely
    unique. P.S My apologies for getting off-topic
    but I had to ask!

    Review my homepage: free webcam porn chats

  26. This is really interesting, You are a very skilled blogger.
    I have joined your feed and look forward to seeking more of your fantastic post.
    Also, I've shared your site in my social networks!

    Stop by my web-site - free live sex chat cam to cam

  27. I absolutely love your blog and find the majority of your
    post's to be precisely what I'm looking for. Do you offer guest writers to write content available for you?
    I wouldn't mind creating a post or elaborating on many of the subjects you write regarding here. Again, awesome web site!

    Feel free to visit my website; cam cam sex

  28. It simply proves again telefonsex that whatever name is Mrs.

    Craigslist has left her cell phone testing. A white shrimp dick cuckold husband who only wants to get to know him,
    ' and I could not email him.

  29. Howdy would you mind letting me know which webhost you're working with? I've loaded your blog in 3
    different web browsers and I must say this blog loads a lot faster then most.
    Can you recommend a good internet hosting provider at a fair price?
    Thanks, I appreciate it!

    my weblog chat erotic

  30. This is really interesting, You're a very skilled blogger. I have joined your feed and look forward to seeking more of your fantastic post. Also, I've shared
    your website in my social networks!

    Feel free to visit my web page: live camera girl

  31. Hello! I'm at work browsing your blog from my new iphone 4! Just wanted to say I love reading through your blog and look forward to all your posts! Keep up the excellent work!

    Here is my page; nanobusiness.Org

  32. I know this if off topic but I'm looking into starting my own blog and was curious what all is required to get setup? I'm assuming having
    a blog like yours would cost a pretty penny? I'm not very internet savvy so I'm not 100% certain.
    Any recommendations or advice would be greatly appreciated.

    Thank you

    Stop by my web site ... mountain-topmusic.com

  33. Excellent article. Keep writing such kind of information on your page.

    Im really impressed by your site.
    Hello there, You have performed a fantastic job.
    I'll certainly digg it and personally recommend to my friends. I am sure they will be benefited from this website.

    my blog :: web cam sexy

  34. Hello, i feel that i saw you visited my website so i got
    here to return the desire?.I am trying to to find things to enhance
    my website!I guess its good enough to make use of a few of your concepts!

    Look into my web blog :: porn cam chats

  35. It's great that you are getting thoughts from this piece of writing as well as from our argument made here.

    My web-site ... sexy webcams free (www.agryd.com)

  36. Pretty section of content. I just stumbled upon your web site and in accession capital to assert that I get
    in fact enjoyed account your blog posts. Anyway I'll be subscribing to your feeds and even I achievement you access consistently rapidly.

    Check out my blog post: sex webcam chat (Http://bookmarkshut.info/blogs/521262/448182/helpful-free-live-porno-cams-adv)

  37. Lisa Ann y Tori Black, dos de las chicas Fleshlight, pasearan por las calles del centro de
    Austin 404 East 6th Street, dando oportunidad de conseguir premios exclusivos.
    I had a vanishing triplet, but I will post the winners shortly.

    And Gretchen Rubin, author of fleshlight The Happiness Project, feels your pain,
    and many overweight people have poorer muscle tone which
    puts them at risk for back pain.

  38. Hello, I enjoy reading all of your article. I wanted to write a little comment to support you.

    my web page :: chat xxx

  39. What's up colleagues, pleasant paragraph and pleasant urging commented here, I am in fact enjoying by these.

    Also visit my weblog ... secret lives porn

  40. Hi, i think that i saw you visited my blog so i came to “return the favor”.
    I'm trying to find things to enhance my site!I suppose its ok to use some of your ideas!!

    my website - naked live chat free

  41. Have you ever considered writing an ebook or guest authoring
    on other sites? I have a blog based upon on the same subjects you discuss
    and would love to have you share some stories/information.
    I know my audience would appreciate your work. If you
    are even remotely interested, feel free to shoot me
    an e mail.

    my website :: live free sex sites

  42. Awesome article.

    Here is my blog post :: webcams nude live

  43. I know this if off topic but I'm looking into starting my own blog and was curious what all is required to get setup? I'm assuming having a blog like yours would cost a pretty penny?
    I'm not very internet smart so I'm not 100% positive.
    Any tips or advice would be greatly appreciated.

    Feel free to surf to my weblog: webcamgirls

  44. If you are going for finest contents like me, simply pay a visit this web page all the time since
    it offers quality contents, thanks

    Also visit my site live nude porn cams ()

  45. Since the admin of this site is working, no doubt
    very rapidly it will be famous, due to its quality contents.

    Here is my blog post :: people having live sex []

  46. Spot on with this write-up, I seriously feel this amazing site
    needs a lot more attention. I'll probably be back again to read through more, thanks for the advice!

    My page chat xxx

  47. Its like you read my mind! You appear to know so much about
    this, like you wrote the book in it or something. I think
    that you can do with a few pics to drive the message home
    a bit, but other than that, this is magnificent blog. A fantastic read.
    I will certainly be back.

    Here is my page; free live camsex ()

  48. Wow! After all I got a weblog from where I be capable of really
    obtain valuable data regarding my study and knowledge.

    Here is my blog :: chat rooms online

  49. I'm gone to inform my little brother, that he should also visit this blog on regular basis to obtain updated from most up-to-date reports.

    my weblog - chat sex free

  50. I just like the valuable info you supply on your articles.
    I'll bookmark your weblog and take a look at once more right here regularly. I'm quite certain I'll be told lots of new stuff proper right here! Good luck for the following!

    my weblog viagra

  51. Hi it's me, I am also visiting this web page regularly, this site is in fact good and the viewers are actually sharing nice thoughts.

    my web site ... free pron live (http://www.hazsell.co.uk)

  52. This is a really good tip particularly to those fresh to the blogosphere.

    Simple but very precise information… Appreciate your
    sharing this one. A must read post!

    Here is my blog post - live sex chats online

  53. Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said "You can hear the ocean if you put this to your ear." She put the shell to her ear and screamed.

    There was a hermit crab inside and it pinched her ear.
    She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

    My website - Chat Sex Webcam (Http://Escar.Be)

  54. This is really interesting, You are a very skilled blogger.
    I've joined your feed and look forward to seeking more of your excellent post. Also, I have shared your web site in my social networks!

    My web site - free live video adult

  55. Pretty! This has been an incredibly wonderful post. Thank you for providing this info.

    Feel free to surf to my web site; xxx p or n

  56. I like the helpful information you provide in your articles.

    I'll bookmark your weblog and check again here frequently. I'm quite certain
    I will learn lots of new stuff right here!
    Good luck for the next!

    my weblog; webcam sexchat ()

  57. This piece of writing provides clear idea in favor of the new
    users of blogging, that in fact how to do blogging.

    Here is my page ... live sex video chats ()

  58. Do you have a spam issue on this website; I also am a
    blogger, and I was wondering your situation; many of us have developed
    some nice methods and we are looking to trade techniques with others, be sure to shoot me an e-mail
    if interested.

    my web blog ... cams sex live cam ()

  59. I enjoy, cause I discovered just what I used to be having a look
    for. You have ended my 4 day long hunt! God Bless you man.

    Have a great day. Bye

    Feel free to visit my blog post - monterey live cam **

  60. I really like what you guys are up too. This kind of clever work and coverage!
    Keep up the superb works guys I've you guys to my blogroll.

    my webpage ... live sex talk

  61. Greetings! Quick question that's entirely off topic. Do you know how to make your site mobile friendly? My site looks weird when viewing from my iphone. I'm trying to find a template or plugin that might be
    able to fix this problem. If you have any recommendations, please share.
    Appreciate it!

    Here is my homepage; cam life sex