Annapolis Bancorp, the parent of BankAnnapolis, saw its fourth-quarter earnings fall 73 percent to $145,000 from $531,000 during the same quarter last year, the bank said Thursday, as it set aside $956,000 during the quarter to cover possible loan losses. In 2008, the bank earned $1.4 million, down 41 percent from $2.4 million last year.
– Aaron Cahall
