ANNAPOLIS BANCORP INC
Financials · National Commercial Banks · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY12 | FY11 | FY10 | |
|---|---|---|---|
| Revenue | — | — | — |
| Operating income | — | — | — |
| Net income | $824,000 | $509,000 | $1.6M |
| Total assets | $446.4M | $441.6M | $432.1M |
| Total liabilities | $410.2M | $404.2M | $397.4M |
| Equity | $36.2M | $37.4M | $34.8M |
| EPS (diluted) | $0.18 | $0.09 | $0.29 |
| Shares out. | 4.0M | 4.0M | 3.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2012- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.3%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.9%
- Debt / equity
- 11.33×
- Book value / share
- $9.11
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 61.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2012- Accruals / assets
- −0.9%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Shareholder vote · Other material eventApr 5, 2013
- Other material eventApr 4, 2013
- Other material eventMar 6, 2013
- Results of operations · Other material eventJan 31, 2013
- Terminated a material agreementNov 8, 2012
- Results of operations · Other material eventNov 1, 2012
- Entered a material agreement · Regulation FD disclosureOct 23, 2012
- Results of operationsJul 13, 2012
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.