Vitals
  • Total Assets
    241.6M 2.3 %
  • Total Deposits
    207.1M 3.4 %
  • Total Net Loans
    123.4M 8.9 %
  • Net Income
    2.5M -13.7 %
  • Book Value
    22.5M -35.3 %
  • Book Value x2
    45.1M -35.3 %
  • Book Value x3
    67.6M -35.3 %
ROAA

2.11

ROAE

21.523

Efficiency Ratio

37.704

Net Interest Margin

4.516

Balance Sheet Highlights
Financial Highlights Bank Of Southern Maryland All Insured Commercial Banks in Maryland
Balance Sheet $(000)
Total Assets 241,607 360,609
Total Net Loans 123,405 269,200
Total Deposits 207,110 311,867
Total Equity 22,526 33,347
Profitability
Net Income 2,511 3,304
Return on Average Assets 2.11 1.216
Return on Average Equity 21.523 12.747
Net Interest Margin 4.516 4.144
Efficiency Ratio 37.704 63.468
Noninterest Income/Revenue 13.802 16.131
Balance Sheet Ratios
Loan-to-Deposit 59.584 84.964
Securities/Assets .402 .396
Total Equity/Total Assets .093 .092
Tangible Equity/Tangible Assets .093 .05
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 22,276 30,968
Tier 2 Capital 12,916 8,147
Total Capital 35,192 38,398
Total Risk Weighted Assets 141,823 263,926
Leverage Ratio 9.31 9.465
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.71 13.394
Total Capital Ratio 24.81 15.564

Timeline for Bank Of Southern Maryland

Mercantile Southern Maryland Bank

Bank Of Southern Maryland was acquired by Mercantile Southern Maryland Bank 19 years

View Profile Jul 28 2004

B S M Holdings & Investments, Inc.

B S M Holdings & Investments, Inc. became a new subsidiary organization for Bank Of Southern Maryland.

View Profile Jun 01 1994

Mercantile Bankshares Corporation

Mercantile Bankshares Corporation became a new parent organization for Bank Of Southern Maryland.

View Profile Jun 17 1971

Southern Maryland National Bank Of La Plata

Acquisition: Bank Of Southern Maryland acquired a new subsidiary, Southern Maryland National Bank Of La Plata , 57 years

View Profile Mar 14 1967

Bank Of Southern Maryland

Bank Of Southern Maryland was established 117 years ago and is currently headquartered in La Plata, MD.

Aug 25 1906
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Mercantile Southern Maryland Bank Buyer 1,034,271 Pooling of Interests Discontinued 7/28/2004
Southern Maryland National Bank Of La Plata Seller Discontinued 3/14/1967
Relationships Role Relationship Start Relationship End
Mercantile Bankshares Corporation Parent 9/30/1986 7/27/2004
Mercantile Bankshares Corporation Parent 6/17/1971 9/29/1986
B S M Holdings & Investments, Inc. Subsidary 6/1/1994 7/27/2004
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