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| Provident Bank of Maryland |
| General | FDIC Certificate #: 15951 Status: Active Federal Reserve ID: 437521 Bank Holding Company (Regulatory Top Holder): Provident Bankshares Corporation (RSSDID: 1247633, Location: Baltimore, MD) Date Established: 1886-04-01 WWW: http://www.provbank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 142 (Domestic: 142, Interstate: Yes) OTS Docket #: 9689 FDIC's unique #: 10182 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: 1943-06-02 Last Structure Change Effective Date: 2006-03-31 Last Structure Change Process Date: 2006-11-03 Last Data Update: 2006-11-03 Data Source Date: 2009-05-14 |
| Location | Address: 114 East Lexington Street, Baltimore, MD 21202 County: Baltimore City 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 | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $6,299.2 mil Equity capital: $528.0 mil Deposits held in domestic offices: $4,753.8 mil Return on assets (ROA): -0.52% (-$32.8 mil) Quarterly return on assets: -1.57% (-$98.9 mil) Return on Equity (ROE): -7.52% (-$39.7 mil) Quarterly return on equity: -21.02% (-$111.0 mil) Net income: -$32.4 mil Quarterly Net income: -$24.4 mil Pretax return on assets: -1.09% (-$68,660.9 mil) Quarterly Pretax return on assets: -2.83% (-$178,266.3 mil) |
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2008 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, 2008) (Dollar figures in thousands) |
| Total employees (full-time equivalent) | 1,701 |
| Total assets | $6,299,164 |
| Cash and due from depository institutions | $118,422 |
| Interest-bearing balances | $0 |
| Securities | $1,337,519 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $4,284,768 |
| Loan loss allowance | $73,098 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $62,923 |
| Other real estate owned | $39,175 |
| Goodwill and other intangibles | $5,690 |
| All other assets | $450,667 |
| Life insurance assets | $172,858 |
| Total liabilities and capital | $6,299,164 |
| Total liabilities | $5,771,191 |
| Total deposits | $4,753,810 |
| Interest-bearing deposits | $4,076,597 |
| Deposits held in domestic offices | $4,753,810 |
| % insured (estimated) | 89.14% |
| Federal funds purchased & repurchase agreements | $298,856 |
| Trading liabilities | $0 |
| Other borrowed funds | $595,000 |
| Subordinated debt | $47,898 |
| All other liabilities | $75,627 |
| Total equity capital | $527,973 |
| Total bank equity capital | $527,973 |
| Perpetual preferred stock | $0 |
| Common stock | $30,000 |
| Surplus | $544,335 |
| Undivided profits | $-46,362 |
| Memoranda |
| Noncurrent loans and leases | $98,822 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $3,221 |
| Income earned, not collected on loans | $25,666 |
| Earning assets | $5,622,287 |
| Long-term assets (5+ years) | $1,233,066 |
| Average Assets, year-to-date | $6,188,165 |
| Average Assets, quarterly | $6,226,623 |
| Volatile liabilities | $941,481 |
| Insider loans | $67,235 |
| FHLB advances | $595,000 |
| Loans and leases held for sale | $1,728 |
| Unused loan commitments | $1,587,727 |
| Tier 1 (core) risk-based capital | $586,961 |
| Tier 2 risk-based capital | $123,799 |
| Total risk weighted assets | $6,325,500 |
| Total unused commitments | $1,587,727 |
| Restructured Loans and leases | $0 |
| Derivatives | $695,392 |
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Income and Expense (December 31, 2008) (Dollar figures in thousands) |
| Total interest income | $325,906 |
| Total interest expense | $141,560 |
| Net interest income | $184,346 |
| Provision for loan and lease losses | $37,612 |
| Total noninterest income | $109,222 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $82,777 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $26,445 |
| Total noninterest expense | $212,252 |
| Salaries and employee benefits | $107,714 |
| Premises and equipment expense | $39,488 |
| Additional noninterest expense | $65,050 |
| Pre-tax net operating income | $43,704 |
| Securities gains (losses) | -$110,898 |
| Applicable income taxes | -$34,805 |
| Income before extraordinary items | -$32,389 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | -$32,389 |
| Net charge-offs | $19,783 |
| Cash dividends | $23,940 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $38,586 |
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Performance and Condition Ratios (December 31, 2008) (Dollar figures in thousands) |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.88% |
| Cost of funding earning assets | 2.55% |
| Net interest margin | 3.33% |
| Noninterest income to earning assets | 1.97% |
| Noninterest expense to earning assets | 3.83% |
| Net operating income to assets | 0.62% |
| Return on assets (ROA) | -0.52% |
| Pretax return on assets | -1.09% |
| Return on equity (ROE) | -7.52% |
| Retained earnings to average equity (YTD only) | -13.08% |
| Net charge-offs to loans | 0.46% |
| Credit loss provision to net charge-offs | 190.12% |
| Efficiency ratio | 71.87% |
| Assets per employee | $3,703 |
| Cash dividends to net income (YTD only) | -73.91% |
| Condition Ratios (%) |
| Loss allowance to loans | 1.68% |
| Loss allowance to noncurrent loans | 73.97% |
| Noncurrent assets plus other real estate owned to assets | 2.78% |
| Noncurrent loans to loans | 2.27% |
| Net loans and leases to deposits | 90.13% |
| Net loans and leases to core deposits | 96.59% |
| Equity capital to assets | 8.38% |
| Core capital (leverage) ratio | 9.40% |
| Tier 1 risk-based capital ratio | 9.28% |
| Total risk-based capital ratio | 11.24% |
| Memoranda |
| Average assets | $6,188,165 |
| Average earning assets | $5,544,120 |
| Average equity | $4,255,241 |
| Average loans | $430,720 |
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Bank Assets Sold and Securitized (December 31, 2002) (Dollar figures in thousands) |
| Principal balance with servicing or other recourse retained |
| 1-4 family residential loans | $159,099 |
| Home equity lines | $0 |
| Credit cards receivables | $0 |
| Auto loans | $0 |
| Other consumer loans | $0 |
| Commercial and industrial loans | $0 |
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Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 684 full tracts)
|
| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $145,000 | 142 | $87,296 | 380 | $52,071 | 1 | $51,000 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $249,000 | 22 | $101,273 | 61 | $48,607 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 5 | $66,400 | 190 | $141,974 | 218 | $49,243 | 2 | $178,000 | 1 | $15,000 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 15 | $140,800 | 10 | $40,900 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 4 | $137,750 | 58 | $137,345 | 96 | $69,833 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 975 full tracts)
|
| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 9 | $367,778 | 267 | $86,090 | 789 | $52,636 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $50,667 | 62 | $95,500 | 120 | $61,925 | 0 | $0 |
| APPLICATIONS DENIED | 6 | $69,833 | 232 | $167,004 | 475 | $58,716 | 3 | $94,667 |
| APPLICATIONS WITHDRAWN | 1 | $90,000 | 3 | $529,000 | 7 | $65,571 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 7 | $183,143 | 115 | $146,435 | 205 | $70,868 | 3 | $141,667 |
Aggregated Statistics For Year 2005 (Based on 720 full tracts)
|
| C) Refinancings
| D) Home Improvement Loans
| G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 226 | $145,540 | 415 | $42,764 | 1 | $50,000 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 52 | $141,385 | 54 | $43,630 | 0 | $0 |
| APPLICATIONS DENIED | 189 | $156,852 | 249 | $34,177 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 143 | $156,524 | 133 | $52,353 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 569 full tracts)
|
| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
|
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $53,000 | 261 | $138,437 | 102 | $3,843 | 1 | $560,000 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 54 | $100,500 | 1 | $2,000 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $82,000 | 266 | $136,350 | 92 | $3,663 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 1 | $5,000 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 138 | $143,957 | 9 | $4,667 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 760 full tracts)
|
| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
|
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $29,000 | 606 | $118,238 | 145 | $3,855 | 20 | $526,550 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 112 | $110,616 | 8 | $4,500 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 284 | $115,542 | 149 | $6,725 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 114 | $114,684 | 4 | $5,500 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 99 | $113,111 | 5 | $3,600 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 941 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 38 | $116,763 | 187 | $122,727 | 497 | $120,139 | 128 | $3,836 | 4 | $1,574,000 | 81 | $74,049 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $68,167 | 23 | $168,478 | 24 | $148,708 | 0 | $0 | 0 | $0 | 4 | $139,000 |
| APPLICATIONS DENIED | 22 | $94,545 | 49 | $123,776 | 198 | $100,343 | 134 | $4,239 | 0 | $0 | 10 | $70,500 |
| APPLICATIONS WITHDRAWN | 5 | $158,800 | 40 | $147,375 | 364 | $104,890 | 23 | $4,087 | 0 | $0 | 9 | $65,000 |
| FILES CLOSED FOR INCOMPLETENESS | 4 | $97,500 | 6 | $105,167 | 36 | $111,417 | 0 | $0 | 0 | $0 | 3 | $35,667 |
Aggregated Statistics For Year 2001 (Based on 561 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 54 | $99,426 | 110 | $110,391 | 366 | $107,918 | 119 | $3,941 | 2 | $558,000 | 26 | $54,731 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $110,500 | 11 | $140,455 | 15 | $99,133 | 0 | $0 | 0 | $0 | 1 | $100,000 |
| APPLICATIONS DENIED | 12 | $75,333 | 18 | $113,278 | 102 | $89,382 | 125 | $4,024 | 0 | $0 | 10 | $59,200 |
| APPLICATIONS WITHDRAWN | 10 | $90,100 | 12 | $133,000 | 94 | $86,564 | 26 | $4,885 | 0 | $0 | 6 | $59,833 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $123,000 | 2 | $117,000 | 15 | $101,200 | 0 | $0 | 0 | $0 | 1 | $22,000 |
Aggregated Statistics For Year 2000 (Based on 100 full tracts)
|
| C) Refinancings
| D) Home Improvement Loans
|
| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 12 | $36,083 | 8 | $5,125 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 108 | $4,157 |
| APPLICATIONS WITHDRAWN | 1 | $30,000 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
2002 FHA, FSA/RHS & VA Home Purchase Loans
2007 Conventional Home Purchase Loans
HMDA - Conventional Home Purchase Loans
HMDA - Conventional Home Purchase Loans - Value
HMDA - Refinancings - Value
2007 Home Improvement Loans
HMDA - Home Improvement Loans
HMDA - Home Improvement Loans - Value
HMDA - Loans on Dwellings For 5+ Families
HMDA - Loans on Dwellings For 5+ Families - Value
2007 Non-occupant Loans on < 5 Family Dwellings
HMDA - Non-occupant Loans on < 5 Family Dwellings
HMDA - Non-occupant Loans on < 5 Family Dwellings - Value
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| 1 District Of Columbia Branch as of 2009-05-14 |
| No | ID | Name | Address | Established | Service Type | Map |
| 191 | 364526 | Georgetown Branch | 1055 Thomas Jefferson St Nw, Washington, DC 20007 | 2001-08-01 | Full Service Brick and Mortar |  |
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| 99 Maryland Branches as of 2009-05-14 |
| No | ID | Name | Address | Established | Service Type | Map |
| 0 | 10182 | Provident Bank Of Maryland | 114 East Lexington Street, Baltimore, MD 21202 | 1886-04-01 | Full Service Brick and Mortar |  |
| 1 | 236006 | Brooklyn Park Branch | 5400 Ritchie Highway, Baltimore, MD 21225 | 1954-12-23 | Full Service Brick and Mortar |  |
| 7 | 236012 | Patapsco Branch | 3418 A Annapolis Road, Baltimore, MD 21227 | 1894-01-01 | Full Service Brick and Mortar |  |
| 8 | 236013 | Edmondson Village Branch | 4552 Edmondson Avenue, Baltimore, MD 21229 | 1954-04-01 | Full Service Brick and Mortar |  |
| 11 | 236016 | Reisterstown Road Plaza Branch | 6632-34 Reisterstown Road, Baltimore, MD 21215 | 1961-12-26 | Full Service Brick and Mortar |  |
| 12 | 236017 | Belair Road Branch | 5225 Belair Road, Baltimore, MD 21206 | 1947-02-15 | Full Service Brick and Mortar |  |
| 13 | 236018 | Canton Branch | 2934 O'donnell Street, Baltimore, MD 21224 | 1890-01-01 | Full Service Brick and Mortar |  |
| 14 | 236019 | Monument St. Branch | 2118 East Monument Street, Baltimore, MD 21205 | 1907-04-20 | Full Service Brick and Mortar |  |
| 15 | 236020 | Hampden Branch | 1010 West 36th Street, Baltimore, MD 21211 | 1890-01-01 | Full Service Brick and Mortar |  |
| 16 | 236021 | Eastpoint Branch | 7859 Eastpoint Mall, Baltimore, MD 21224 | 1954-12-17 | Full Service Brick and Mortar |  |
| 17 | 236022 | Dundalk Branch | 39 Shipping Place, Baltimore, MD 21222 | 1920-06-01 | Full Service Brick and Mortar |  |
| 18 | 236023 | Glen Burnie Branch | 123 North Crain Highway, Suite A, Glen Burnie, MD 21061 | 1957-05-01 | Full Service Brick and Mortar |  |
| 19 | 236024 | Sparrows Point Branch | 5236 North Point Road, Baltimore County, MD 21219 | 1886-04-01 | Full Service Brick and Mortar |  |
| 21 | 236026 | Columbia Branch | 10440 Little Patuxent Parkway, Columbia, MD 21044 | 1967-12-18 | Full Service Brick and Mortar |  |
| 25 | 236030 | Golden Ring Mall Branch | 6417 Petrie Way, Baltimore, MD 21237 | 1974-10-23 | Full Service Brick and Mortar |  |
| 26 | 236031 | Severna Park Branch | 522 Ritchie Highway, Severna Park, MD 21146 | 1976-11-15 | Full Service Brick and Mortar |  |
| 29 | 236034 | Ellicott City Lane Branch | 9337 Baltimore National Pike, Ellicott City, MD 21042 | 1979-12-03 | Full Service Brick and Mortar |  |
| 31 | 236036 | Owings Mills Branch | 9948 Reisterstown Road, Owings Mills, MD 21117 | 1981-01-19 | Full Service Brick and Mortar |  |
| 32 | 236037 | Wilkens Plaza Branch | 4656 Wilkens Avenue, Baltimore, MD 21229 | 1981-06-15 | Full Service Brick and Mortar |  |
| 33 | 236038 | Perry Hall Branch | 4131 East Joppa Road, Baltimore County, MD 21236 | 1981-08-12 | Full Service Brick and Mortar |  |
| 35 | 236040 | Rutherford Branch | 7210 Ambassador Road, Baltimore, MD 21244 | 1986-10-27 | Full Service Brick and Mortar |  |
| 36 | 236041 | Pratt Street Branch | 250 West Pratt Street, Baltimore, MD 21201 | 1987-10-05 | Full Service Brick and Mortar |  |
| 38 | 236043 | Parkville Branch | 8200 Harford Road, Baltimore, MD 21234 | 1988-10-28 | Full Service Brick and Mortar |  |
| 43 | 236048 | Hunt Valley Branch | 11351 York Road, Cockeysville, MD 21030 | 1989-12-27 | Full Service Brick and Mortar |  |
| 44 | 236049 | Hillendale Branch | 6889 Loch Raven Boulevard, Towson, MD 21286 | 1990-10-31 | Full Service Brick and Mortar |  |
| 45 | 236050 | Randallstown Branch | 8638 Liberty Road, Randallstown, MD 21133 | 1990-10-31 | Full Service Brick and Mortar |  |
| 46 | 236051 | Bel Air Branch | 1904 Emmorton Road, Bel Air, MD 21015 | 1991-04-15 | Full Service Brick and Mortar |  |
| 47 | 236052 | Pikesville Branch | 3635 Old Court Road, Baltimore, MD 21208 | 1991-05-15 | Full Service Brick and Mortar |  |
| 48 | 236053 | Greenspring Branch | 10745 Falls Road, Lutherville, MD 21093 | 1993-06-05 | Full Service Brick and Mortar |  |
| 49 | 236054 | Rockdale Shoppers Branch | 8212 Liberty Road, Baltimore, MD 21244 | 1993-10-03 | Full Service Retail |  |
| 50 | 236055 | Old Mill Branch | 670 Old Mill Road, Millersville, MD 21108 | 1993-11-01 | Full Service Brick and Mortar |  |
| 51 | 236056 | Southside Market Branch | 857 East Fort Avenue, Baltimore, MD 21230 | 1993-11-20 | Full Service Retail |  |
| 52 | 236057 | Crofton Center Branch | 1649 Crofton Square, Crofton, MD 21114 | 1993-12-11 | Full Service Brick and Mortar |  |
| 53 | 236058 | Perring Plaza Branch | 1955 Joppa Road, Baltimore, MD 21234 | 1993-12-18 | Full Service Brick and Mortar |  |
| 55 | 236060 | Pasadena Crossroads Branch | 8160 Ritchie Highway, Pasadena, MD 21122 | 1994-03-27 | Full Service Retail |  |
| 56 | 236061 | Towson Branch | 1005 York Road, Towson, MD 21204 | 1994-09-26 | Full Service Brick and Mortar |  |
| 57 | 236062 | Catonsville Plaza Branch | 5457 Baltimore National Pike, Baltimore, MD 21229 | 1994-09-09 | Full Service Brick and Mortar |  |
| 59 | 236064 | Highlandtown Branch | 3800 East Lombard Street, Baltimore, MD 21224 | 1995-11-22 | Full Service Brick and Mortar |  |
| 61 | 236066 | Cockeysville Branch | 570 Cranbrook Road, Cockeysville, MD 21030 | 1996-04-26 | Full Service Brick and Mortar |  |
| 67 | 236071 | Goucher Boulevard Branch | 803 Goucher Boulevard, Towson, MD 21286 | 1995-09-14 | Full Service Brick and Mortar |  |
| 70 | 236074 | Edgewood Branch | Edgewood Plaza Shopping Center, 705 Edgewood Road, Edgewood, MD 21040 | 1997-02-18 | Full Service Brick and Mortar |  |
| 72 | 236076 | Bel Air Weis Branch | 550 West Macphail Road, Bel Air, MD 21014 | 1997-04-25 | Full Service Retail |  |
| 73 | 236077 | Ellicott City Wal-Mart Branch | 3200 North Ridge Road, Ellicott City, MD 21043 | 1997-05-21 | Full Service Retail |  |
| 74 | 236078 | Laurel Branch | 207 Bowie Road, Laurel, MD 20707 | 1996-12-01 | Full Service Brick and Mortar |  |
| 76 | 270184 | Damascus Branch | 9801 Main Street, Damascus, MD 20872 | 1929-01-01 | Full Service Brick and Mortar |  |
| 77 | 270185 | Gaithersburg Branch | 205 North Frederick Avenue, Gaithersburg, MD 20877 | 1929-01-01 | Full Service Brick and Mortar |  |
| 78 | 270186 | Kensington Branch | 3720 Farragut Avenue, Kensington, MD 20895 | 1929-01-01 | Full Service Brick and Mortar |  |
| 79 | 270188 | Rockville Branch | 401 N. Washington Street, Rockville, MD 20850 | 1929-01-01 | Full Service Brick and Mortar |  |
| 80 | 270189 | White Oak Branch | 11161 New Hampshire Avenue, Silver Spring, MD 20904 | 1929-01-01 | Full Service Brick and Mortar |  |
| 82 | 270191 | Potomac Branch | 10100 River Road, Potomac, MD 20854 | 1929-01-01 | Full Service Brick and Mortar |  |
| 83 | 270192 | Frederick Branch | 1003 W. Patrick Street, Frederick, MD 21702 | 1929-01-01 | Full Service Brick and Mortar |  |
| 84 | 270194 | Quince Orchard Branch | 12110 Darnestown Road, Gaithersburg, MD 20878 | 1929-01-01 | Full Service Brick and Mortar |  |
| 85 | 43822 | Chevy Chase Branch | 5416 Wisconsin Avenue, Chevy Chase, MD 20815 | 1953-01-01 | Full Service Brick and Mortar |  |
| 88 | 270198 | Flower Hill Way Branch | 18261 Flower Hill Way, Gaithersburg, MD 20879 | 1988-06-30 | Full Service Brick and Mortar |  |
| 90 | 236080 | Leisure World Branch | 3866 International Drive, Silver Spring, MD 20906 | 1997-08-22 | Full Service Brick and Mortar |  |
| 91 | 236081 | Middlesex Branch | 1200 Eastern Boulevard, Baltimore, MD 21221 | 1997-11-05 | Full Service Retail |  |
| 92 | 236082 | Catonsville Wal-Mart Branch | 6205 Baltimore National Pike, Catonsville, MD 21228 | 1998-02-13 | Full Service Retail |  |
| 95 | 236085 | Silver Spring Branch | 8730 Georgia Avenue, Silver Spring, MD 20910 | 1998-04-27 | Full Service Brick and Mortar |  |
| 97 | 236087 | Govans Branch | 5234 York Avenue, Baltimore, MD 21212 | 1998-08-10 | Full Service Brick and Mortar |  |
| 101 | 236091 | Columbia Bj's Branch | 9011 Snowden River Pkwy, Columbia, MD 21046 | 1999-03-15 | Full Service Retail |  |
| 102 | 236092 | Severn Shoppers Branch | 7858 Quaterfield Road, Severn, MD 21144 | 1999-09-09 | Full Service Retail |  |
| 103 | 236093 | Annapolis Branch | 2047 West Street, Annapolis, MD 21401 | 1999-09-23 | Full Service Brick and Mortar |  |
| 104 | 236094 | Germantown Shoppers Branch | 18066 Mateny Road, Germantown, MD 20874 | 1999-09-28 | Full Service Retail |  |
| 106 | 236096 | Takoma Park Shoppers Branch | 6881 New Hampshire Avenue, Takoma Park, MD 20912 | 1999-10-13 | Full Service Retail |  |
| 109 | 236099 | Abingdon Wal-Mart Office | 401 Constant Friendship Blvd., Abingdon, MD 21009 | 1999-12-16 | Full Service Retail |  |
| 111 | 236101 | Germantown Wal Mart Branch | 20910 Frederick Road, Germantown, MD 20876 | 1999-10-19 | Full Service Retail |  |
| 112 | 236102 | Frederick Wal-Mart Branch | 7400 Guilford Drive, Frederick, MD 21704 | 1999-12-10 | Full Service Retail |  |
| 113 | 236103 | Clinton Shoppers Branch | 6300 Coventry Way, Clinton, MD 20735 | 1999-11-07 | Full Service Brick and Mortar |  |
| 114 | 236104 | Brooklyn Park Shoppers Branch | 5722 Ritchie Highway, Brooklyn Park, MD 21225 | 1999-12-09 | Full Service Retail |  |
| 123 | 278804 | Riviera Beach | 8553 Ft. Smallwood Road, Pasadena, MD 21122 | 1887-01-01 | Full Service Brick and Mortar |  |
| 124 | 278806 | Locust Point | 1350 East Fort Avenue, Baltimore, MD 21230 | 1887-01-01 | Full Service Brick and Mortar |  |
| 129 | 287899 | Roland Park Branch | 4806 Roland Avenue, Baltimore, MD 21210 | 1986-06-30 | Full Service Brick and Mortar |  |
| 130 | 358187 | Westminster Shoppers Branch | 551 Jermor Lane, Westminster, MD 21157 | 2000-07-09 | Full Service Retail |  |
| 136 | 358682 | Timonium Shoppers Branch | 2430 Broad Avenue, Timonium, MD 21093 | 2000-02-17 | Full Service Retail |  |
| 137 | 358683 | Reisterstown Metro Branch | 11120 Reisterstown Road, Owings Mills, MD 21117 | 1999-10-07 | Full Service Retail |  |
| 138 | 358924 | White Flint Shoppers Branch | 5110 Nicholson Lane, Kensington, MD 20895 | 2000-11-09 | Full Service Retail |  |
| 140 | 360739 | Oxon Hill Shoppers Branch | 6111 Livingston Road, Oxon Hill, MD 20745 | 2000-12-10 | Full Service Brick and Mortar |  |
| 142 | 361130 | Smith Avenue Shoppers Branch | 2801 Smith Avenue, Baltimore, MD 21209 | 2000-09-08 | Full Service Retail |  |
| 145 | 364999 | Wheaton Shoppers Branch | 2201 Randolph Road, Wheaton, MD 20902 | 2002-05-15 | Full Service Brick and Mortar |  |
| 148 | 365763 | Aspen Hill Superfresh | 3901 Aspen Hill Road, Aspen Hill, MD 20906 | 2002-12-06 | Full Service Brick and Mortar |  |
| 150 | 365765 | Forestville Shoppers | 2950 Donnell Street, Forestville, MD 20747 | 2002-12-20 | Full Service Brick and Mortar |  |
| 151 | 365777 | Perry Hall Superfresh | 8905 Belair Road, Perry Hall, MD 21128 | 2002-12-02 | Full Service Brick and Mortar |  |
| 152 | 365895 | Rosedale Superfresh | 1763 Chesaco Drive, Rosedale, MD 21237 | 2002-11-23 | Full Service Brick and Mortar |  |
| 155 | 366085 | Towson Superfresh | 1238 Putty Hill, Towson, MD 21286 | 2003-01-07 | Full Service Brick and Mortar |  |
| 157 | 366087 | Timonium Superfresh | 37 W. Aylesbury Road, Timonium, MD 21093 | 2003-01-17 | Full Service Brick and Mortar |  |
| 159 | 419272 | Waldorf Shoppers Branch | 1000 Smallwood Drive West, Waldorf, MD 20603 | 2003-06-11 | Full Service Brick and Mortar |  |
| 161 | 419842 | Temple Hills Branch | 4283 Branch Avenue, Temple Hills, MD 20748 | 2003-01-13 | Full Service Brick and Mortar |  |
| 164 | 423300 | Odenton Super Fresh Branch | 1155 Annapolis Road, Odenton, MD 21113 | 2003-11-10 | Full Service Brick and Mortar |  |
| 165 | 423412 | Capital Centre Branch | 1050 Shopppers Way, Landover, MD 20785 | 2003-11-08 | Full Service Brick and Mortar |  |
| 166 | 428054 | Olney Shoppers | 18140 Village Mart Drive, Olney, MD 20832 | 2003-08-04 | Full Service Retail |  |
| 170 | 428058 | Mt. Airy Superfresh | 504 E. Ridgeville Boulevard, Mount Airy, MD 21771 | 2004-05-05 | Full Service Retail |  |
| 210 | 439870 | Aberdeen Wal-Mart Branch | 645 S. Philadelphia Boulevard, Aberdeen, MD 21001 | 2005-04-06 | Full Service Brick and Mortar |  |
| 211 | 440533 | Laurel Shoppers Office | 3453 Fort Meade Road, Laurel, MD 20724 | 2005-05-15 | Full Service Brick and Mortar |  |
| 213 | 442262 | College Park In-Store Branch | 4720 Cherry Hill Road, College Park, MD 20740 | 2005-07-15 | Full Service Retail |  |
| 215 | 451196 | Eastern & Kane In-Store Branch | 6500 Eastern Avenue, Baltimore, MD 21224 | 2006-03-26 | Full Service Retail |  |
| 216 | 452384 | Lanham Shoppers Branch | 10501 Martin Luther King Jr. Highway, Bowie, MD 20720 | 2006-06-25 | Full Service Retail |  |
| 218 | 456232 | Laurel Contee Road Shoppers In-Store | 13600 Baltimore Avenue, Laurel, MD 20707 | 2006-10-30 | Full Service Brick and Mortar |  |
| 221 | 470171 | Mondawmin In-Store Branch | 2000 Gwynns Falls Parkway, Baltimore, MD 21216 | 2007-11-16 | Full Service Brick and Mortar |  |
| 222 | 479134 | Eldersburg Shoppers Branch | 6300 Georgetown Blvd, Eldersburg, MD 21784 | 2008-05-31 | Full Service Retail |  |
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| 1 Pennsylvania Branch as of 2009-05-14 |
| No | ID | Name | Address | Established | Service Type | Map |
| 93 | 236083 | Shrewsbury Branch | Wal-Mart Store, 698 Shrewsbury Commons Avenue, Shrewsbury, PA 17361 | 1997-09-30 | Full Service Retail |  |
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| 39 Virginia Branches as of 2009-05-14 |
| No | ID | Name | Address | Established | Service Type | Map |
| 105 | 236095 | Manassas Shoppers Branch | 10864 Sudley Manor Drive, Manassas, VA 20109 | 2000-01-28 | Full Service Retail |  |
| 107 | 236097 | Alexandria Penn Daw Branch | 6228 N.Kings Highway, Alexandria, VA 22303 | 1999-12-17 | Full Service Retail |  |
| 116 | 334333 | Dale City Shoppers Branch | 14000 Shoppers Best Way, Woodbridge, VA 22192 | 2000-04-09 | Full Service Retail |  |
| 117 | 340699 | Fredericksburg Shoppers Office | 1320 Carl D. Silver Parkway, Fredericksburg, VA 22401 | 2000-05-24 | Full Service Retail |  |
| 118 | 356602 | Landmark Shoppers Branch | 6200a Little River Turnpike, Alexandria, VA 22312 | 2000-05-19 | Full Service Retail |  |
| 119 | 356731 | Sterling Shoppers Branch | 47100 Community Plaza, Sterling, VA 20164 | 2000-06-19 | Full Service Retail |  |
| 131 | 358553 | Falls Church Shoppers Branch | 6360 Seven Corners Center, Falls Church, VA 22044 | 1999-12-08 | Full Service Retail |  |
| 132 | 358555 | Alexandria Jdh Shoppers Branch | 3801 Jefferson Davis Highway, Alexandria, VA 22305 | 1999-12-17 | Full Service Retail |  |
| 134 | 358557 | Tyson's Corner Branch | 7799 Leesburg Pike, Falls Church, VA 22043 | 2000-04-24 | Full Service Brick and Mortar |  |
| 141 | 360851 | Franconia Shoppers Branch | 7005 Manchester Lakes Boulevard, Franconia, VA 22310 | 2001-07-14 | Full Service Retail |  |
| 143 | 361667 | Van Dorn Branch Office | 231 Van Dorn Street, Alexandria, VA 22304 | 2001-08-15 | Full Service Brick and Mortar |  |
| 144 | 364340 | Fairfax Shoppers Branch | 9622 Main Street, Fairfax, VA 22031 | 2002-06-20 | Full Service Brick and Mortar |  |
| 149 | 365764 | Centreville Shoppers | 6335 Multiplex Drive, Centreville, VA 20120 | 2002-12-19 | Full Service Brick and Mortar |  |
| 153 | 365980 | Lake Ridge Branch | 12451 Hedges Run Drive, Woodbridge, VA 22192 | 2002-10-15 | Full Service Brick and Mortar |  |
| 162 | 419843 | Burke Branch | 5815 Burke Centre Parkway, Burke, VA 22015 | 2002-10-11 | Full Service Brick and Mortar |  |
| 167 | 428055 | Stafford Shoppers | 1505 Stafford Market Place, Stafford, VA 22556 | 2003-10-05 | Full Service Retail |  |
| 169 | 428057 | Gainsville Shoppers Branch | 7471 Somerset Crossing Drive, Gainesville, VA 20155 | 2003-10-16 | Full Service Retail |  |
| 176 | 288085 | Dulles Branch | 2545/Q-18 Centreville Road, Herndon, VA 20171 | 1995-04-12 | Full Service Brick and Mortar |  |
| 177 | 288086 | Woodbridge Branch | 13542 Minnieville Road, Woodbridge, VA 22192 | 1995-04-13 | Full Service Brick and Mortar |  |
| 178 | 284449 | Leesburg Branch | 526 E Market St, Leesburg, VA 20176 | 1960-01-01 | Full Service Brick and Mortar |  |
| 179 | 288087 | Herndon Branch | 362 Elden Street, Herndon, VA 20170 | 1989-12-01 | Full Service Brick and Mortar |  |
| 183 | 288091 | Fredericksburg Branch | 2062 Plank Road, Fredericksburg, VA 22401 | 1999-01-15 | Full Service Brick and Mortar |  |
| 184 | 288092 | Manassas Branch | 10175 Hastings Drive, Manassas, VA 20110 | 1999-03-16 | Full Service Brick and Mortar |  |
| 185 | 46382 | Merrifield Branch | 8414 Lee Highway, Fairfax, VA 22031 | 1990-10-01 | Full Service Brick and Mortar |  |
| 186 | 289270 | Fairfax Circle Branch | 9720 Lee Highway, Fairfax, VA 22031 | 1996-07-15 | Full Service Brick and Mortar |  |
| 187 | 289271 | Vienna Branch | 527 Maple Avenue East, Vienna, VA 22180 | 1995-03-27 | Full Service Brick and Mortar |  |
| 188 | 289272 | Annandale Branch | 7857 Heritage Drive, Annadale, VA 22003 | 1998-05-04 | Full Service Brick and Mortar |  |
| 190 | 287386 | Breezewood Branch | 10693 Courthouse Road, Fredericksburg, VA 22407 | 1990-03-01 | Full Service Brick and Mortar |  |
| 193 | 57206 | Atlee Branch | 8206 Atlee Road, Mechanicsville, VA 23116 | 1997-05-20 | Full Service Brick and Mortar |  |
| 194 | 290628 | Lakeside Branch | 5419 Lakeside Avenue, Richmond, VA 23228 | 1998-10-05 | Full Service Brick and Mortar |  |
| 195 | 290629 | Parham Branch | 2801 Parham Road, Richmond, VA 23294 | 1999-01-11 | Full Service Brick and Mortar |  |
| 196 | 356865 | West Broad Street Branch | 3124 West Broad Street, Richmond, VA 23230 | 2000-04-28 | Full Service Brick and Mortar |  |
| 197 | 357050 | Horsepen Branch | 6401 Horsepen Road, Richmond, VA 23226 | 1999-11-29 | Full Service Brick and Mortar |  |
| 206 | 357067 | Sliding Hill Branch | 9695 Sliding Hill Road, Ashland, VA 23005 | 2000-05-10 | Full Service Brick and Mortar |  |
| 212 | 441467 | Lee Plaza Traditional Branch | 11721 Lee Highway, Fairfax, VA 22030 | 2005-06-13 | Full Service Brick and Mortar |  |
| 214 | 445698 | Hull & Courthouse Branch | 10101 Hull Street, Richmond, VA 23236 | 2005-10-18 | Full Service Brick and Mortar |  |
| 217 | 454778 | Manassas Liberia Sfw Branch | 9540 Liberia Avenue, Manassas, VA 20110 | 2006-06-30 | Full Service Retail |  |
| 219 | 457230 | Mt. Vernon Square | 7485 Richmond Highway, Alexandria, VA 22306 | 2006-12-11 | Full Service Brick and Mortar |  |
| 220 | 463627 | Parkside Branch | 10791 W. Broad Street, Glen Allen, VA 23060 | 2007-05-21 | Full Service Brick and Mortar |  |
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