0001144204-17-040263.txt : 20170803 0001144204-17-040263.hdr.sgml : 20170803 20170803150528 ACCESSION NUMBER: 0001144204-17-040263 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 5 CONFORMED PERIOD OF REPORT: 20170803 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20170803 DATE AS OF CHANGE: 20170803 FILER: COMPANY DATA: COMPANY CONFORMED NAME: GLEN BURNIE BANCORP CENTRAL INDEX KEY: 0000890066 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 521782444 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-24047 FILM NUMBER: 171004510 BUSINESS ADDRESS: STREET 1: 101 CRAIN HWY SE CITY: GLEN BURNIE STATE: MD ZIP: 21227 BUSINESS PHONE: 4107663300 MAIL ADDRESS: STREET 1: 101 CRAIN HWY SE CITY: GLEN BURNIE STATE: MD ZIP: 21227 8-K 1 v472337_8k.htm FORM 8-K

 

 

 

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549 

 

 

 

FORM 8-K

 

CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF

THE SECURITIES EXCHANGE ACT OF 1934

 

Date of report (Date of earliest event reported): August 3, 2017

 

GLEN BURNIE BANCORP 

(Exact name of registrant as specified in its charter)

 

 

Maryland 0-24047 52-1782444
(State or Other Jurisdiction of Incorporation) (Commission File Number) (IRS Employer Identification No.)

 

 

101 Crain Highway, S.E., Glen Burnie, Maryland 21061

(Address of Principal Executive Offices)

 

Registrant’s telephone number, including area code: (410) 766-3300

 

Inapplicable

(Former Name or Former Address if Changed Since Last Report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

  ¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
     
  ¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
     
  ¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
     
  ¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company ¨

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

  

 

 

 

 

 

INFORMATION TO BE INCLUDED IN THE REPORT

 

 

Item 2.02. Results of Operations and Financial Condition.

 

On August 3, 2017, Glen Burnie Bancorp (the “Company”) announced its results of operations for its fiscal quarter ended June 30, 2017. A copy of the Company’s press release announcing such results dated August 3, 2017 is attached hereto as Exhibit 99.1. This Form 8-K and the attached exhibit are furnished to, but not filed with, the Securities and Exchange Commission (“SEC”) and shall not be deemed to be incorporated by reference into any of the Company’s filings with the SEC under the Securities Act of 1933.

 

Item 9.01. Financial Statements and Exhibits.

 

(c) Exhibits

 

The following exhibits are filed herewith:

 

Exhibit No.

99.1 Press Release dated August 3, 2017

 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

  GLEN BURNIE BANCORP
  (Registrant)  
     
     
Date: August 3, 2017 By: /s/ John D. Long
    John D. Long
    Chief Executive Officer

 

 

 EX-99.1 2 v472337_ex99-1.htm EXHIBIT 99.1

 

Exhibit 99.1

 

 

 

Press Release

For Immediate Release

 

Date: August 3, 2017

 

  

 

GLEN BURNIE BANCORP ANNOUNCES

SECOND QUARTER 2017 RESULTS

 

GLEN BURNIE, MD (August 3, 2017) – Glen Burnie Bancorp (“Bancorp”) (NASDAQ: GLBZ), the bank holding company for The Bank of Glen Burnie (“Bank”), announced today net income increased to $0.34 million, or $0.12 per basic and diluted common share for the second quarter of 2017 as compared to $0.31 million or $0.11 per basic and diluted common share for the second quarter of 2016, a 9.7% increase. On a quarter-over-quarter comparison, Bancorp’s second quarter net income is a 6.96% increase over the $0.32 million net income, or $0.11 per basic and diluted common share recorded for the first quarter of 2017.

 

Bancorp reported net income of $0.65 million, or $0.23 per basic and diluted common share for the first half of 2017, compared to $0.59 million, or $0.21 per basic and diluted common share for the first half of 2016, a 10.66% increase. Net loans increased by $15.2 million, or 5.96% when compared to June 30, 2016. The Bank now has total assets that exceed $396 million and 8 branch locations in Anne Arundel County Maryland. Bancorp, the oldest independent commercial bank in Anne Arundel County, will pay its 100th consecutive quarterly dividend on August 4, 2017.

 

"This is a very exciting time for our bank. Our growth and earnings expectations remain strong in the second half of 2017 through 2018, and our outlook continues to improve across our business," said John D. Long, President and Chief Executive Officer. "We are particularly pleased with the strategic hires we have made to support growth, bringing new leaders to nearly all key areas. The Bank’s strong financial performance in the second quarter of 2017 was driven by organic growth, attractive low-cost core deposit funding and improved credit performance. Our nonperforming loans decreased 23% on an annualized basis to $3.6 million at June 30, 2017 from $3.8 million at March 31, 2017. Growing our lending business while increasing profitability continues to be a priority as we believe that our community bank delivery model offers an attractive option to borrowers. We continue to make progress in expanding our lending platforms. Consumer indirect lending is a unique core competency for us that is based on the foundation of a consistent and disciplined underwriting process and an experienced management team. We remain deeply committed to serving the needs of the community through the development of new loan and deposit products designed to meet the financial needs in our community.”

 

Highlights from the First Six Months of 2017

 

The Bank continued its organic growth strategy in the second quarter of 2017 with total assets exceeding $396 million with favorable net loan growth supported by a 0.54% attractive cost of funds. Bancorp has strong liquidity and capital positions along with capacity for future growth, with total regulatory capital to risk weighted assets of approximately 14.65% at June 30, 2017.

 

Specific highlights include the following:

 

·Return on average assets for the three-month period ended June 30, 2017 was 0.35% as compared to 0.32% and 0.31% for the three-month periods ended March 31, 2017 and June 30, 2016, respectively. Return on average equity for the three-month period ended June 30, 2017 was 4.00%, as compared to 3.76% and 3.59% for the three-month periods ended March 31, 2017 and June 30, 2016, respectively.

 

 

 

  

·With consistent organic growth, total assets were $396.1 million at June 30, 2017 compared to $395.5 million at March 31, 2017, $388.4 million at December 31, 2016 and $395.8 million at June 30, 2016.

 

·Total loans were $271.0 million at June 30, 2017, an increase of 0.49% from $269.7 million at March 31, 2017, an increase of 2.25% from $265.0 million at December 31, 2016 and an increase of 5.96% from $255.8 million at June 30, 2016.

 

·Total deposits were $335.5 million at June 30, 2017, a decrease of 1.5% from $340.6 million at March 31, 2017, an increase of 0.67% from $333.2 million at December 31, 2016 and a decrease of 1.12% from $339.2 million at June 30, 2016. Non-interest bearing deposits were $105.6 million at June 30, 2017, an increase of 8.40% from $97.4 million at June 30, 2016.

 

·Stockholders’ equity increased to $34.5 million at June 30, 2017, from $33.9 million at March 31, 2017 and $33.8 million at December 31, 2016, and decreased from $35.4 million at June 30, 2016. The increase is related primarily to corporate earnings, with the decrease driven primarily by the loss in other comprehensive income associated with the available for sale bond portfolio. The combined activity improved the book value of Bancorp’s common stock to $12.36 per share at June 30, 2017, compared to $12.16 per share at March 31, 2017, $12.10 per share at December 31, 2016 and $12.73 per share at June 30, 2016.

 

·At June 30, 2017, the Bank remained above all “well-capitalized” regulatory requirement levels. The Bank’s tier 1 risk-based capital ratio was approximately 13.60% at June 30, 2017 as compared to 13.14% at March 31, 2017, 13.63% at December 31, 2016 and 14.05% at June 30, 2016. Liquidity remained strong due to managed cash and cash equivalents, borrowing lines with the FHLB of Atlanta, the Federal Reserve and correspondent banks, and the size and composition of the bond portfolio.

 

·Net interest income for the three-month period ended June 30, 2017 totaled $2.9 million, compared to $2.8 million for the first quarter of 2017 and $2.7 million for the same period of 2016. Earning asset leverage was the primary driver in year-over-year results, as average earning loans and investments increased to $360.8 million for the three-month period ended June 30, 2017, compared to $357.8 million for the same period of 2016.

 

·Net interest margin for the three- and six-month period ended June 30, 2017 was 3.10% and 3.08%, compared to 2.98% and 3.11%, respectively, for the same periods of 2016. The net interest margin is primarily driven by declining yields on earning assets, as the balances of lower yielding investment securities and loans have continued to increase within the portfolio.

 

·Nonperforming loans, which consist of nonaccrual loans, troubled debt restructurings, and accruing loans past due 90 days or more, decreased to $3.6 million at June 30, 2017 from $3.8 million at March 31, 2017 and December 31, 2016, and was $2.8 million at June 30, 2016.

 

·The provision for loan losses for the three- and six-month period ended June 30, 2017 decreased $0.30 million and increased $0.17 million, respectively, compared to $0 million and $0.12 million, respectively, for the same periods of 2016. The decrease for the second quarter 2017 was primarily driven by improvement in the overall credit quality of the loan portfolio. As a result, the allowance for loan losses was $2.6 million at June 30, 2017, representing 0.96% of total loans, compared to $2.6 million, or 0.96% of total loans, at March 31, 2017 and $2.3 million, or 0.90% of total loans, at June 30, 2016.

 

Review of Financial Results

 

For the three-month periods ended June 30, 2017 and 2016

 

Net income for the three-month period ended June 30, 2017 was $0.34 million, compared to net income of $0.31 million for the three-month period ended June 30, 2016.

 

 

 

  

Net interest income for the three-month period ended June 30, 2017 totaled $2.9 million compared to $2.7 million for the same period of 2016.

 

Noninterest income for the three-month period ended June 30, 2017 was $0.31 million, compared to $0.32 million for the three-month period ended June 30, 2016.

 

Noninterest expense was $2.8 million for the three-month period ended June 30, 2017, compared to $2.7 million for the same period of 2016.

 

For the six-month periods ended June 30, 2017 and 2016

 

Net income for the six-month period ended June 30, 2017 was $0.65 million, compared to net income of $0.59 million for the six-month period ended June 30, 2016.

 

Net interest income for the six-month period ended June 30, 2017 totaled $5.7 million, compared to $5.5 million for the same period of 2016.

 

Noninterest income for the six-month period ended June 30, 2017 was $0.60 million, compared to the $0.63 million for the six-month period ended June 30, 2016.

 

Noninterest expense was $5.4 million, compared to $5.4 million for the same period of 2016.

 

 

# # #

 

Glen Burnie Bancorp Information

 

Glen Burnie Bancorp is a bank holding company headquartered in Glen Burnie, Maryland. Founded in 1949, The Bank of Glen Burnie® is a locally-owned community bank with 8 branch offices serving Anne Arundel County. The Bank is engaged in the commercial and retail banking business including the acceptance of demand and time deposits, and the origination of loans to individuals, associations, partnerships and corporations. The Bank’s real estate financing consists of residential first and second mortgage loans, home equity lines of credit and commercial mortgage loans. The Bank also originates automobile loans through arrangements with local automobile dealers. Additional information is available at www.thebankofglenburnie.com.

 

Forward-Looking Statements

 

The statements contained herein that are not historical financial information, may be deemed to constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are subject to certain risks and uncertainties, which could cause the company’s actual results in the future to differ materially from its historical results and those presently anticipated or projected. These statements are evidenced by terms such as “anticipate,” “estimate,” “should,” “expect,” “believe,” “intend,” and similar expressions. Although these statements reflect management’s good faith beliefs and projections, they are not guarantees of future performance and they may not prove true. For a more complete discussion of these and other risk factors, please see the company’s reports filed with the Securities and Exchange Commission.

 

 

For further information contact:

 

Jeffrey D. Harris, Chief Financial Officer

410-768-8883

jdharris@bogb.net

106 Padfield Blvd

Glen Burnie, MD 21061

 

 

 

 

 

 

GLEN BURNIE BANCORP AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

(dollars in thousands)

               

 

  June 30,   March 31,   December 31,   June 30, 
   2017   2017   2016   2016 
  (unaudited)   (unaudited)   (audited)   (unaudited) 
ASSETS                    
Cash and due from banks  $14,487   $6,601   $6,946   $6,481 
Interest bearing deposits with banks and federal funds sold   2,851    10,730    3,676    14,023 
Total Cash and Cash Equivalents   17,338    17,331    10,622    20,504 
Investment securities available for sale, at fair value   90,629    91,097    94,444    102,656 
Restricted equity securities, at cost   1,440    1,228    1,230    1,230 
Loans, net of deferred fees and costs   271,020    269,707    265,058    255,781 
Less:  Allowance for loan losses   (2,599)   (2,602)   (2,484)   (2,291)
Loans, net   268,421    267,105    262,574    253,490 
                     
Real estate acquired through foreclosure   114    114    114    201 
Premises and equipment, net   3,547    3,611    3,638    3,576 
Bank owned life insurance   9,428    9,377    9,328    9,465 
Deferred tax assets, net   2,803    3,133    3,160    1,968 
Accrued interest receivable   1,092    1,115    1,134    1,133 
Accrued taxes receivable   631    645    674    776 
Prepaid expenses   493    537    546    585 
Other assets   190    222    968    210 
Total Assets  $396,126   $395,515   $388,432   $395,794 
                     
LIABILITIES                    
Noninterest-bearing deposits  $105,582   $105,178   $100,090   $97,197 
Interest-bearing deposits   229,899    235,396    233,147    242,098 
Total Deposits   335,481    340,574    333,237    339,295 
Short-term borrowings   15,000    10,000    10,000    0 
Long-term borrowings   10,000    10,000    10,000    20,000 
Defined pension liability   374    369    369    361 
Accrued expenses and other liabilities   737    641    1,011    742 
Total Liabilities   361,592    361,584    354,617    360,398 
                     
STOCKHOLDERS' EQUITY                    
Common stock, par value $1, authorized 15,000,000 shares,  issued and outstanding 2,793,748, 2,790,260, 2,786,855 and 2,780,025 shares as of June 30, 2017, March 31, 2017, December 31, 2016 and June 30, 2016, respectively.   2,794    2,790    2,787    2,780 
Additional paid-in capital   10,199    10,164    10,130    10,069 
Retained earnings   21,803    21,745    21,708    21,754 
Accumulated other comprehensive (loss) income   (262)   (768)   (810)   793 
Total Stockholders' Equity   34,534    33,931    33,815    35,396 
Total Liabilities and Stockholders' Equity  $396,126   $395,515   $388,432   $395,794 

 

 

 

 

GLEN BURNIE BANCORP AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(dollars in thousands, except per share amounts)

(unaudited)

                 

 

   Three Months Ended June 30,   Six Months Ended June 30, 
   2017   2016   2017   2016 
Interest income:                    
Loans, including fees  $2,845   $2,749   $5,619   $5,585 
Interest and dividends on securities   507    487    1,025    975 
Deposits with banks and federal funds sold   31    32    62    59 
Total Interest Income   3,383    3,268    6,706    6,619 
                     
Interest expense:                    
Deposits   327    377    659    769 
Short-term borrowings   84    -    167    - 
Long term borrowings   76    159    152    319 
Total Interest Expense   487    536    978    1,088 
                     
Net Interest Income   2,896    2,732    5,728    5,531 
                     
Provision for loan losses   (30)   -    165    117 
                     
Net interest income after provision for loan losses   2,926    2,732    5,563    5,414 
                     
Noninterest income:                    
Service charges on deposit accounts   69    81    136    164 
Other fees and commissions   167    171    328    330 
Gain on securities sold   1    -    2    1 
Income on life insurance   51    53    100    107 
Other income   17    13    35    24 
Total Noninterest Income   305    318    601    626 
                     
Noninterest expenses:                    
Salary and employee benefits   1,614    1,535    3,036    3,040 
Occupancy and equipment expenses   249    249    517    509 
Legal, accounting and other professional fees   262    192    468    422 
Data processing and item processing services   143    172    312    334 
FDIC insurance costs   64    77    124    154 
Advertising and marketing related expenses   42    11    73    36 
Loan collection costs   29    80    47    121 
Telephone costs   59    50    114    95 
Other expenses   368    332    727    660 
Total Noninterest Expenses   2,830    2,698    5,418    5,371 
                     
Income before income taxes   401    352    746    669 
Income tax expense   63    44    92    78 
                     
Net income  $338   $308   $654   $591 
                     
Basic and diluted net income per common share  $0.12   $0.11   $0.23   $0.21 

 

 

 

 

GLEN BURNIE BANCORP AND SUBSIDIARIES

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY

For the Six Months ended June 30, 2017 and 2016 (Unaudited)

(dollars in thousands)

                     

 

               Accumulated     
               Other     
       Additional       Comprehensive   Total 
   Common   Paid-in   Retained   (Loss)   Stockholders' 
   Stock   Capital   Earnings   Income   Equity 
Balance December 31, 2015  $2,774   $9,986   $21,718   $(302)   34,176 
                          
Net income   -    -    591    -    591 
Cash dividends, $0.20 per share   -    -    (555)   -    (555)
Dividends reinvested under dividend reinvestment plan   6    83    -    -    89 
Other comprehensive income   -    -    -    1,095    1,095 
Balance June 30, 2016  $2,780   $10,069   $21,754   $793   $35,396 

 

 

               Accumulated     
               Other     
       Additional       Comprehensive   Total 
   Common   Paid-in   Retained   (Loss)   Stockholders' 
   Stock   Capital   Earnings   Income   Equity 
Balance December 31, 2016  $2,787   $10,130   $21,707   $(810)  $33,814 
                          
Net income   -    -    654    -    654 
Cash dividends, $0.20 per share   -    -    (558)   -    (558)
Dividends reinvested under dividend reinvestment plan   7    69    -    -    76 
Other comprehensive income   -    -    -    548    548 
Balance June 30, 2017  $2,794   $10,199   $21,803   $(262)  $34,534 

 

 

 

 

THE BANK OF GLEN BURNIE

CAPTIAL RATIOS

(dollars in thousands)

             

         

              To Be Well 
              Capitalized Under 
        To Be Considered   Prompt Corrective 
        Adequately Capitalized   Action Provisions 
As of June 30, 2017:  Amount   Ratio   Amount   Ratio   Amount   Ratio 
(unaudited)                        
Common Equity Tier 1 Capital   33,837    13.60%   11,198    4.50%   16,175    6.50%
Total Risk-Based Capital   36,458    14.65%   19,907    8.00%   24,884    10.00%
Tier 1 Risk-Based Capital   33,837    13.60%   14,931    6.00%   19,907    8.00%
Tier 1 Leverage   33,837    8.61%   15,717    4.00%   19,647    5.00%
                               
As of March 31, 2017:                              
(unaudited)                              
Common Equity Tier 1 Capital   33,751    13.14%   11,554    4.50%   16,690    6.50%
Total Risk-Based Capital   36,394    14.17%   20,541    8.00%   25,677    10.00%
Tier 1 Risk-Based Capital   33,751    13.14%   15,406    6.00%   20,541    8.00%
Tier 1 Leverage   33,751    8.62%   15,664    4.00%   19,580    5.00%
                               
As of December 31, 2016:                              
(audited)                              
Common Equity Tier 1 Capital   33,962    13.63%   11,213    4.50%   16,197    6.50%
Total Risk-Based Capital   36,471    14.64%   19,935    8.00%   24,918    10.00%
Tier 1 Risk-Based Capital   33,962    13.63%   14,951    6.00%   19,935    8.00%
Tier 1 Leverage   33,962    8.68%   15,659    4.00%   19,574    5.00%
                               
As of June 30, 2016:                              
(unaudited)                              
Common Equity Tier 1 Capital   33,921    14.05%   10,863    4.50%   16,197    6.50%
Total Risk-Based Capital   36,218    15.00%   19,312    8.00%   24,918    10.00%
Tier 1 Risk-Based Capital   33,921    14.05%   14,484    6.00%   19,935    8.00%
Tier 1 Leverage   33,921    8.57%   15,833    4.00%   19,574    5.00%

 

 

 

 

GLEN BURNIE BANCORP AND SUBSIDIARIES

SELECTED FINANCIAL DATA

(dollars In thousand except per share data)

                         

 

   Three Months Ended   Six Months Ended   Year Ended 
   June 30,   March 31,   June 30,   June 30,   June 30,   December 31, 
   (unaudited)   (unaudited)   (unaudited)   (unaudited)   (unaudited)   (audited) 
   2017   2017   2016   2017   2016   2016 
                         
Financial Data:                              
Assets  $396,126   $395,515   $395,794   $396,126   $395,794   $388,432 
Investment securities   90,629    91,097    102,656    90,629    102,656    94,607 
Loans, (net of deferred fees and costs)   271,020    269,707    255,781    271,020    255,781    265,058 
Allowance for loan losses   2,599    2,602    2,291    2,599    2,291    2,484 
Deposits   335,481    340,574    339,295    335,481    339,295    333,237 
Borrowings   25,000    20,000    20,000    25,000    20,000    20,000 
Stockholders' equity   34,534    33,931    35,396    34,534    35,396    33,814 
Net income   338    316    308    654    591    1,101 
                               
Average Balances:                              
Assets  $392,734   $391,669   $395,817   $392,194   $393,560   $392,923 
Investment securities   91,549    92,745    101,636    92,147    99,526    99,628 
Loans, (net of deferred fees and costs)   269,293    267,553    256,128    268,423    258,387    258,481 
Deposits   336,720    336,468    340,261    336,594    338,124    337,320 
Borrowings   21,269    20,433    20,000    20,851    20,000    20,000 
Stockholders' equity   34,236    33,832    34,771    34,042    34,651    34,710 
                               
Performance Ratios:                              
Annualized return on average assets   0.35%   0.32%   0.31%   0.34%   0.30%   0.28%
Annualized return on average equity   4.00%   3.76%   3.59%   3.89%   3.46%   3.17%
Net Interest Margin   3.10%   3.07%   2.98%   3.08%   3.11%   3.17%
Dividend payout ratio   82.54%   88.29%   90.26%   84.86%   93.91%   100.96%
Book value per share  $12.36   $12.16   $12.73   $12.36   $12.73   $12.10 
Basic and diluted net income per share   0.12    0.11    0.11    0.23    0.21    0.40 
Cash dividends declared per share   0.10    0.10    0.10    0.10    0.10    0.10 
Basic and diluted weighted average shares outstanding   2,792,445    2,789,012    2,776,546    2,790,738    2,776,053    2,780,477 
                               
Asset Quality Ratios:                              
Allowance for loan losses to loans   0.96%   0.96%   0.90%   0.96%   0.90%   0.94%
Nonperforming loans to avg. loans   1.33%   1.42%   1.11%   1.34%   1.10%   1.47%
Allowance for credit losses to nonaccrual and past due loans   72.52%   68.35%   80.61%   72.52%   80.61%   65.59%
Net charge-offs annualize to avg. loans   0.04%   0.12%   0.03%   0.04%   0.76%   0.59%
                               
Capital Ratios:                              
Common Equity Tier 1 Capital   13.60%   13.14%   14.05%   13.60%   14.05%   13.63%
Tier 1 Risk-based Capital Ratio   13.60%   13.14%   14.05%   13.60%   14.05%   13.63%
Leverage Ratio   8.61%   8.62%   8.57%   8.61%   8.57%   8.68%
Total Risk-Based Capital Ratio   14.65%   14.17%   15.00%   14.65%   15.00%   14.64%

 

 

 

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