401k Plan data: CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST plan

CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 401k Plan overview

Plan Name	CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST
Plan identification number	002

CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

BAY BANK, FSB has sponsored the creation of one or more 401k plans.

Company Name: BAY BANK, FSB

Employer identification number (EIN): 520265260

NAIC Classification: 522110
NAIC Description: Commercial Banking

Additional information about BAY BANK, FSB

Jurisdiction of Incorporation: Maryland Secretary of State

Incorporation Date:

Company Identification Number: F14034532

More information about BAY BANK, FSB

Form 5500 Filing Information

Submission information for form 5500 for 401k plan CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2012-01-01 CATHERINE A. REGAN CATHERINE A. REGAN 2013-10-09
002 2011-01-01 CATHERINE A. REGAN
002 2009-01-01 CATHY REGAN
002 2009-01-01 CATHY REGAN
002 2009-01-01 CATHY REGAN

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
002	2012-01-01	CATHERINE A. REGAN	CATHERINE A. REGAN	2013-10-09
002	2011-01-01	CATHERINE A. REGAN
002	2009-01-01	CATHY REGAN
002	2009-01-01	CATHY REGAN
002	2009-01-01	CATHY REGAN

Plan Statistics for CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST

401k plan membership statisitcs for CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST

Measure Date Value
2012: CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2012 401k membership
Total participants, beginning-of-year 2012-01-01 163
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 131
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 31
Total of all active and inactive participants 2012-01-01 162
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 162
Number of participants with account balances 2012-01-01 129
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 0
2011: CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2011 401k membership
Total participants, beginning-of-year 2011-01-01 165
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 120
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 36
Total of all active and inactive participants 2011-01-01 156
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 156
Number of participants with account balances 2011-01-01 137
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 2
2009: CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2009 401k membership
Total participants, beginning-of-year 2009-01-01 218
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 160
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 67
Total of all active and inactive participants 2009-01-01 227
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 2
Total participants 2009-01-01 229
Number of participants with account balances 2009-01-01 183
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 14

Measure	Date	Value
2012: CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2012 401k membership
Total participants, beginning-of-year	2012-01-01	163
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	131
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	31
Total of all active and inactive participants	2012-01-01	162
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	162
Number of participants with account balances	2012-01-01	129
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	0
2011: CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2011 401k membership
Total participants, beginning-of-year	2011-01-01	165
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	120
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	36
Total of all active and inactive participants	2011-01-01	156
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	156
Number of participants with account balances	2011-01-01	137
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	2
2009: CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2009 401k membership
Total participants, beginning-of-year	2009-01-01	218
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	160
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	67
Total of all active and inactive participants	2009-01-01	227
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	2
Total participants	2009-01-01	229
Number of participants with account balances	2009-01-01	183
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	14

Financial Data on CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST

Measure	Date	Value
2012 : CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$1,289,038
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$548,374
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$524,188
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$532,479
Value of total assets at end of year	2012-12-31	$8,645,068
Value of total assets at beginning of year	2012-12-31	$7,904,404
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$24,186
Total interest from all sources	2012-12-31	$46,388
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$78,074
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$78,074
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$4,000,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$531,946
Participant contributions at end of year	2012-12-31	$455,483
Participant contributions at beginning of year	2012-12-31	$357,888
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$533
Other income not declared elsewhere	2012-12-31	$19,377
Administrative expenses (other) incurred	2012-12-31	$24,186
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$740,664
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$8,645,068
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$7,904,404
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$5,711,027
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$5,048,283
Interest on participant loans	2012-12-31	$13,569
Interest earned on other investments	2012-12-31	$32,819
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$2,478,558
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$2,498,233
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$612,720
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$524,188
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	ROWLES AND CO.
Accountancy firm EIN	2012-12-31	520630619
2011 : CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$619,390
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$917,240
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$905,418
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$853,446
Value of total assets at end of year	2011-12-31	$7,904,404
Value of total assets at beginning of year	2011-12-31	$8,202,254
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$11,822
Total interest from all sources	2011-12-31	$50,433
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$72,560
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$72,560
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$4,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$565,456
Participant contributions at end of year	2011-12-31	$357,888
Participant contributions at beginning of year	2011-12-31	$296,010
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$86,042
Administrative expenses (other) incurred	2011-12-31	$11,822
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$-297,850
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$7,904,404
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$8,202,254
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$5,048,283
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$5,669,016
Interest on participant loans	2011-12-31	$11,485
Interest earned on other investments	2011-12-31	$38,948
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-12-31	$2,498,233
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-12-31	$2,237,228
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-357,049
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$201,948
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$905,418
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	ROWLES AND CO.
Accountancy firm EIN	2011-12-31	520630619
2010 : CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2010 401k financial data
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$2,032,279
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$1,069,710
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$1,065,395
Expenses. Certain deemed distributions of participant loans	2010-12-31	$608
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$1,376,980
Value of total assets at end of year	2010-12-31	$8,202,254
Value of total assets at beginning of year	2010-12-31	$7,239,685
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$3,707
Total interest from all sources	2010-12-31	$22,309
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$146,576
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$146,576
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$4,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$603,205
Participant contributions at end of year	2010-12-31	$296,010
Participant contributions at beginning of year	2010-12-31	$180,847
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$342,772
Administrative expenses (other) incurred	2010-12-31	$3,707
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$962,569
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$8,202,254
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$7,239,685
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$5,669,016
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$5,143,428
Interest on participant loans	2010-12-31	$8,282
Interest earned on other investments	2010-12-31	$14,027
Value of interest in common/collective trusts at end of year	2010-12-31	$0
Value of interest in common/collective trusts at beginning of year	2010-12-31	$1,912,195
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2010-12-31	$2,237,228
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2010-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$486,414
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$431,003
Employer contributions (assets) at end of year	2010-12-31	$0
Employer contributions (assets) at beginning of year	2010-12-31	$3,215
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$1,065,395
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	ROWLES AND CO.
Accountancy firm EIN	2010-12-31	520630619
2009 : CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST

2012: CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Insurance	Yes
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement – Insurance	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Insurance	Yes
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement – Insurance	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: CARROLLTON BANK 401(K) SAVINGS PLAN AND TRUST 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	Yes
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	BAY BANK, FSB
Employer identification number (EIN):	520265260
NAIC Classification:	522110
NAIC Description:	Commercial Banking

Jurisdiction of Incorporation:	Maryland Secretary of State
Incorporation Date:
Company Identification Number:	F14034532