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): April 26, 2018
GLEN BURNIE BANCORP
(Exact name of registrant as specified in its charter)
Maryland | 0-24047 | 52-1782444 |
(State or Other Jurisdiction | (Commission File Number) | (IRS Employer |
of Incorporation) | 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 April 26, 2018, Glen Burnie Bancorp (the “Company”) announced its results of operations for its fiscal quarter ended March 31, 2018. A copy of the Company’s press release announcing such results dated April 26, 2018 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 April 26, 2018 |
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: April 26, 2018 | By: | /s/ John D. Long |
John D. Long | ||
Chief Executive Officer |
Exhibit 99.1
Press Release | For Immediate Release |
Date: April 26, 2018 |
GLEN BURNIE BANCORP ANNOUNCES
FIRST QUARTER 2018 RESULTS
GLEN BURNIE, MD (April 26, 2018) – Glen Burnie Bancorp (“Bancorp”) (NASDAQ: GLBZ), the bank holding company for The Bank of Glen Burnie (“Bank”), announced today net income of $0.26 million, or $0.09 per basic and diluted common share for the three-month period ended March 31, 2018, as compared to net income of $0.32 million, or $0.10 per basic and diluted common share for the three-month period ended March 31, 2017.
For the three-month period ended March 31, 2018, net loans grew by $5.7 million, or 2.1%, as compared to March 31, 2017. At March 31, 2018, Bancorp had total assets of $390.4 million. Bancorp, the oldest independent commercial bank in Anne Arundel County, will pay its 103rd consecutive quarterly dividend on May 4, 2018.
"By continuing our fiscal 2017 transformative accomplishments into the first quarter of 2018, we are confident that our momentum will drive our results for the remainder of 2018 and beyond,” said John D. Long, President and CEO. “Technology advancements that support our loan origination team contributed to a strong organic loan growth rate of 2.1% when compared to the same period in 2017. We continued to make investments in technology systems during the first quarter that allow us to remain competitive in the rapidly changing technological environment. These improvements allow the Company to remain vigilant in its risk mitigation efforts, and to continue providing a high level of service to our valued customers. Net interest income continued to rise during the first quarter, driving a consistent core earnings expansion. Net interest income grew by $160,000 or 5.7%, this quarter compared to the first quarter of last year, as the yield on our loan portfolio grew from 4.21% to 4.25%, and our funding costs declined by $39,000 or 7.9%, from $491,000 to $452,000. The overall credit environment remained favorable, although a single impaired loan led management to increase the allowance for loan losses to 1.05% of total loans from 0.96% at December 31, 2017. Headquartered in the dynamic Northern Anne Arundel County market, we believe the Bank is well-positioned with sound growth, asset quality and capital levels, a widening net interest margin, and an experienced and seasoned executive team. We remain deeply committed to serving the financial needs of the community through the development of new loan and deposit products.”
Highlights for the First Three Months of 2018
Bancorp continued to grow organically in the first quarter of 2018 driven primarily by favorable net loan growth and supported by an improving 0.51% cost of funds, as compared to 0.56% for the same period in 2017. Bancorp has strong liquidity and capital positions that provide ample capacity for future growth, along with the Bank’s total regulatory capital to risk weighted assets of 13.85% at March 31, 2018.
Return on average assets for the three-month period ended March 31, 2018 was 0.26%, as compared to 0.33% for the three-month period ended March 31, 2017. Return on average equity for the three-month period ended March 31, 2018 was 3.06%, as compared to 3.79% for the three-month period ended March 31, 2017.
The book value per share of Bancorp’s common stock was $11.83 at March 31, 2018, as compared to $12.16 per share at March 31, 2017.
At March 31, 2018, the Bank remained above all “well-capitalized” regulatory requirement levels. The Bank’s tier 1 risk-based capital ratio was approximately 12.73% at March 31, 2018, as compared to 13.14% at March 31, 2017. 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.
Balance Sheet Review
Total assets were $390.4 million at March 31, 2018, a decrease of 1.31% from $395.5 million at March 31, 2017. Investment securities were $90.3 million at March 31, 2018, a decrease of 0.84% from $91.1 million at March 31, 2017. Total loans were $275.7 million at March 31, 2018, an increase of 2.22% from $269.7 million at March 31, 2017.
Total deposits were $336.2 million at March 31, 2018, a decrease of 1.29% from $340.6 million at March 31, 2017. Non-interest bearing deposits were $107.1 million at March 31, 2018, an increase of 1.80% from $105.2 million at March 31, 2017. Total borrowings were $20.0 million at March 31, 2018, unchanged from $20.0 million at March 31, 2017.
Stockholders’ equity was $33.2 million at March 31, 2018, a decrease of $0.7 million from $33.9 million at March 31, 2017. The decrease in the first quarter 2018 was related to lower corporate earnings and a decrease in other comprehensive income associated with the available for sale bond portfolio.
Nonperforming assets, which consist of nonaccrual loans, troubled debt restructurings, accruing loans past due 90 days or more, and other real estate owned, represented 1.49% of total assets at March 31, 2018, as compared to 1.05% for the same period of 2017.
Review of Financial Results
For the three-month periods ended March 31, 2018 and 2017
Net income for the three-month period ended March 31, 2018 was $0.26 million, as compared to net income of $0.32 million for the three-month period ended March 31, 2017.
Net interest income for the three-month period ended March 31, 2018 totaled $3.0 million, as compared to $2.8 million for the three-month period ended March 31, 2017. Average earning loans and investment securities increased to $366 million for the three month period ended March 31, 2018, as compared to $362 million for the same period of 2017.
Net interest margin for the three-month period ended March 31, 2018 was 3.22%, as compared to 3.07% for the same period of 2017. Lower funding costs were the primary driver of year-over-year results, as the cost of funds decreased 0.05% from 0.56% to 0.51% for the three month periods ending March 31, 2017 and 2018, respectively.
The provision for loan losses for the three-month period ended March 31, 2018 was $0.36 million, as compared to $0.20 million for the same period of 2017. The increase for the three-month period ended March 31, 2018 was primarily the result of deteriorated credit quality of a single participated loan and is not indicative of poor credit quality of the overall loan portfolio. As a result, the allowance for loan losses was $2.9 million at March 31, 2018, representing 1.05% of total loans, as compared to $2.6 million, or 0.96% of total loans for the same period of 2017.
Noninterest income for the three-month period ended March 31, 2018 was $0.49 million, as compared to $0.30 million for the three-month period ended March 31, 2017. The results for the first quarter of 2018 include a $0.21 million gain on redemption of BOLI policy.
For the three-month period ended March 31, 2018, noninterest expense was $2.83 million, as compared to $2.57 million for the three-month period ended March 31, 2017. The primary contributors to the $0.26 million increase, when compared to the three-month period ended March 31, 2017 were increases in salary and employee benefits, occupancy and equipment expenses, legal, accounting and other professional fees and loan collection costs and telephone costs, partially offset by decreases in data processing and item processing services and advertising and marketing related expenses.
# # #
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)
March 31, | March 31, | December 31, | ||||||||||
2018 | 2017 | 2017 | ||||||||||
(unaudited) | (unaudited) | (audited) | ||||||||||
ASSETS | ||||||||||||
Cash and due from banks | $ | 2,449 | $ | 2,959 | $ | 2,610 | ||||||
Interest bearing deposits with banks and federal funds sold | 6,079 | 14,371 | 9,995 | |||||||||
Total Cash and Cash Equivalents | 8,528 | 17,330 | 12,605 | |||||||||
Investment securities available for sale, at fair value | 90,329 | 91,097 | 89,349 | |||||||||
Restricted equity securities, at cost | 1,231 | 1,228 | 1,232 | |||||||||
Loans, net of deferred fees and costs | 275,716 | 269,707 | 271,612 | |||||||||
Allowance for loan losses | (2,899 | ) | (2,602 | ) | (2,589 | ) | ||||||
Loans, net | 272,817 | 267,105 | 269,023 | |||||||||
Real estate acquired through foreclosure | 114 | 114 | 114 | |||||||||
Premises and equipment, net | 3,271 | 3,611 | 3,371 | |||||||||
Bank owned life insurance | 8,290 | 9,377 | 8,713 | |||||||||
Deferred tax assets, net | 2,759 | 3,133 | 2,429 | |||||||||
Accrued interest receivable | 1,182 | 1,115 | 1,133 | |||||||||
Accrued taxes receivable | - | 645 | 465 | |||||||||
Prepaid expenses | 554 | 537 | 433 | |||||||||
Other assets | 1,295 | 238 | 583 | |||||||||
Total Assets | $ | 390,370 | $ | 395,530 | $ | 389,450 | ||||||
LIABILITIES | ||||||||||||
Noninterest-bearing deposits | $ | 107,073 | $ | 105,190 | $ | 104,017 | ||||||
Interest-bearing deposits | 229,097 | 235,396 | 230,221 | |||||||||
Total Deposits | 336,170 | 340,586 | 334,238 | |||||||||
Short-term borrowings | 20,000 | 10,000 | 20,000 | |||||||||
Long-term borrowings | - | 10,000 | - | |||||||||
Defined pension liability | 341 | 369 | 335 | |||||||||
Accrued Taxes Payable | 134 | - | - | |||||||||
Accrued expenses and other liabilities | 538 | 644 | 835 | |||||||||
Total Liabilities | 357,183 | 361,599 | 355,408 | |||||||||
STOCKHOLDERS' EQUITY | ||||||||||||
Common stock, par value $1, authorized 15,000,000 shares, issued and outstanding 2,804,456, 2,790,260, and 2,801,149 shares as of March 31, 2018, March 31, 2017, and December 31, 2017, respectively. | 2,804 | 2,790 | 2,801 | |||||||||
Additional paid-in capital | 10,301 | 10,164 | 10,267 | |||||||||
Retained earnings | 21,581 | 21,745 | 21,605 | |||||||||
Accumulated other comprehensive loss | (1,499 | ) | (768 | ) | (631 | ) | ||||||
Total Stockholders' Equity | 33,187 | 33,931 | 34,042 | |||||||||
Total Liabilities and Stockholders' Equity | $ | 390,370 | $ | 395,530 | $ | 389,450 |
GLEN BURNIE BANCORP AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(dollars in thousands, except per share amounts)
Three Months Ended March 31, | ||||||||
2018 | 2017 | |||||||
(unaudited) | (unaudited) | |||||||
Interest income | ||||||||
Interest and fees on loans | $ | 2,872 | $ | 2,774 | ||||
Interest and dividends on securities | 524 | 518 | ||||||
Interest on deposits with banks and federal funds sold | 48 | 31 | ||||||
Total Interest Income | 3,444 | 3,323 | ||||||
Interest expense | ||||||||
Interest on deposits | 309 | 333 | ||||||
Interest on short-term borrowings | 143 | 82 | ||||||
Interest on long-term borrowings | - | 76 | ||||||
Total Interest Expense | 452 | 491 | ||||||
Net Interest Income | 2,992 | 2,832 | ||||||
Provision for loan losses | 360 | 195 | ||||||
Net interest income after provision for loan losses | 2,632 | 2,637 | ||||||
Noninterest income | ||||||||
Service charges on deposit accounts | 67 | 67 | ||||||
Other fees and commissions | 168 | 161 | ||||||
Gains on redemption of BOLI policies | 207 | - | ||||||
Income on life insurance | 44 | 49 | ||||||
Other income | - | 2 | ||||||
Total Noninterest Income | 486 | 279 | ||||||
Noninterest expenses | ||||||||
Salary and employee benefits | 1,721 | 1,421 | ||||||
Occupancy and equipment expenses | 305 | 298 | ||||||
Legal, accounting and other professional fees | 232 | 206 | ||||||
Data processing and item processing services | 132 | 168 | ||||||
FDIC insurance costs | 58 | 60 | ||||||
Advertising and marketing related expenses | 17 | 31 | ||||||
Loan collection costs | 41 | 18 | ||||||
Telephone costs | 57 | 55 | ||||||
Other expenses | 272 | 314 | ||||||
Total Noninterest Expenses | 2,835 | 2,571 | ||||||
Income before income taxes | 283 | 345 | ||||||
Income tax expense | 28 | 29 | ||||||
Net income | $ | 255 | $ | 316 | ||||
Basic and diluted net income per common share | $ | 0.09 | $ | 0.11 |
GLEN BURNIE BANCORP AND SUBSIDIARIES
CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY
For the three months ended March, 2018 and 2017 (unaudited)
(dollars in thousands)
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 | - | - | 316 | - | 316 | |||||||||||||||
Cash dividends, $0.10 per share | - | - | (278 | ) | - | (278 | ) | |||||||||||||
Dividends reinvested under | ||||||||||||||||||||
dividend reinvestment plan | 3 | 34 | - | - | 37 | |||||||||||||||
Other comprehensive loss | - | - | - | 42 | 42 | |||||||||||||||
Balance, March 31, 2017 | $ | 2,790 | $ | 10,164 | $ | 21,745 | $ | (768 | ) | $ | 33,931 |
Accumulated | ||||||||||||||||||||
Other | ||||||||||||||||||||
Additional | Comprehensive | Total | ||||||||||||||||||
Common | Paid-in | Retained | (Loss) | Stockholders' | ||||||||||||||||
Stock | Capital | Earnings | Income | Equity | ||||||||||||||||
Balance, December 31, 2017 | $ | 2,801 | $ | 10,267 | $ | 21,605 | $ | (631 | ) | $ | 34,042 | |||||||||
Net income | - | - | 255 | - | 255 | |||||||||||||||
Cash dividends, $0.10 per share | - | - | (279 | ) | - | (279 | ) | |||||||||||||
Dividends reinvested under | ||||||||||||||||||||
dividend reinvestment plan | 3 | 34 | - | - | 37 | |||||||||||||||
Other comprehensive income | - | - | - | (868 | ) | (868 | ) | |||||||||||||
Balance, March 31, 2018 | $ | 2,804 | $ | 10,301 | $ | 21,581 | $ | (1,499 | ) | $ | 33,187 |
THE BANK OF GLEN BURNIE
CAPITAL RATIOS
(dollars in thousands)
To Be Considered Adequately Capitalized | To Be Well Capitalized Under Prompt Corrective Action Provisions | |||||||||||||||||||||||
Amount | Ratio | Amount | Ratio | Amount | Ratio | |||||||||||||||||||
As of March 31, 2018: | ||||||||||||||||||||||||
(unaudited) | ||||||||||||||||||||||||
Common Equity Tier 1 Capital | $ | 33,132 | 12.73 | % | $ | 11,712 | 4.50 | % | $ | 16,917 | 6.50 | % | ||||||||||||
Total Risk-Based Capital | $ | 36,047 | 13.85 | % | $ | 20,822 | 8.00 | % | $ | 26,027 | 10.00 | % | ||||||||||||
Tier 1 Risk-Based Capital | $ | 33,132 | 12.73 | % | $ | 15,616 | 6.00 | % | $ | 20,822 | 8.00 | % | ||||||||||||
Tier 1 Leverage | $ | 33,126 | 8.40 | % | $ | 15,774 | 4.00 | % | $ | 19,718 | 5.00 | % | ||||||||||||
As of December 31, 2017: | ||||||||||||||||||||||||
(audited) | ||||||||||||||||||||||||
Common Equity Tier 1 Capital | $ | 32,946 | 12.83 | % | $ | 11,553 | 4.50 | % | $ | 16,687 | 6.50 | % | ||||||||||||
Total Risk-Based Capital | $ | 35,543 | 13.84 | % | $ | 20,538 | 8.00 | % | $ | 25,673 | 10.00 | % | ||||||||||||
Tier 1 Risk-Based Capital | $ | 32,946 | 12.83 | % | $ | 15,404 | 6.00 | % | $ | 20,538 | 8.00 | % | ||||||||||||
Tier 1 Leverage | $ | 32,928 | 8.43 | % | $ | 15,617 | 4.00 | % | $ | 19,521 | 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 | % |
GLEN BURNIE BANCORP AND SUBSIDIARIES
SELECTED FINANCIAL DATA
(dollars in thousands, except per share amounts)
Three Months Ended | Year Ended | |||||||||||||||
March 31, | December 31, | March 31, | December 31, | |||||||||||||
2018 | 2017 | 2017 | 2017 | |||||||||||||
(unaudited) | (unaudited) | (unaudited) | (audited) | |||||||||||||
Financial Data | ||||||||||||||||
Assets | $ | 390,353 | $ | 389,450 | $ | 395,530 | $ | 389,450 | ||||||||
Investment securities | 90,329 | 89,349 | 91,097 | 89,349 | ||||||||||||
Loans, (net of deferred fees & costs) | 275,699 | 271,612 | 269,707 | 271,612 | ||||||||||||
Allowance for loan losses | 2,899 | 2,589 | 2,602 | 2,589 | ||||||||||||
Deposits | 336,169 | 334,238 | 340,586 | 334,238 | ||||||||||||
Borrowings | 20,000 | 20,000 | 20,000 | 20,000 | ||||||||||||
Stockholders' equity | 33,188 | 34,042 | 33,931 | 34,042 | ||||||||||||
Net income | 255 | (153 | ) | 316 | 911 | |||||||||||
Average Balances | ||||||||||||||||
Assets | $ | 391,832 | $ | 391,254 | $ | 391,532 | $ | 392,363 | ||||||||
Investment securities | 92,449 | 90,084 | 94,062 | 91,634 | ||||||||||||
Loans, (net of deferred fees & costs) | 273,964 | 270,402 | 267,494 | 269,600 | ||||||||||||
Deposits | 334,492 | 335,312 | 234,351 | 335,805 | ||||||||||||
Borrowings | 22,752 | 20,501 | 20,419 | 21,458 | ||||||||||||
Stockholders' equity | 33,817 | 34,638 | 33,811 | 34,322 | ||||||||||||
Performance Ratios | ||||||||||||||||
Annualized return on average assets | 0.26 | % | -0.16 | % | 0.33 | % | 0.23 | % | ||||||||
Annualized return on average equity | 3.06 | % | -1.75 | % | 3.79 | % | 2.65 | % | ||||||||
Net interest margin | 3.22 | % | 3.20 | % | 3.07 | % | 3.12 | % | ||||||||
Dividend payout ratio | 109 | % | -183 | % | 88 | % | 123 | % | ||||||||
Book value per share | $ | 11.83 | $ | 12.15 | $ | 12.16 | $ | 12.15 | ||||||||
Basic and diluted net income per share | 0.09 | (0.05 | ) | 0.11 | 0.33 | |||||||||||
Cash dividends declared per share | 0.10 | 0.10 | 0.10 | 0.40 | ||||||||||||
Basic and diluted weighted average shares outstanding | 2,802,509 | 2,799,832 | 2,789,012 | 2,794,381 | ||||||||||||
Asset Quality Ratios | ||||||||||||||||
Allowance for loan losses to loans | 1.05 | % | 0.95 | % | 0.96 | % | 0.95 | % | ||||||||
Nonperforming loans to avg. loans | 2.09 | % | 1.31 | % | 1.51 | % | 1.32 | % | ||||||||
Allowance for loan losses to nonaccrual & 90+ past due loans | 52.7 | % | 77.7 | % | 68.3 | % | 77.7 | % | ||||||||
Net charge-offs annualize to avg. loans | 0.07 | % | 0.19 | % | 0.12 | % | 0.09 | % | ||||||||
Capital Ratios | ||||||||||||||||
Common Equity Tier 1 Capital | 12.73 | % | 12.83 | % | 0.00 | % | 12.83 | % | ||||||||
Tier 1 Risk-based Capital Ratio | 12.73 | % | 12.83 | % | 14.17 | % | 12.83 | % | ||||||||
Leverage Ratio | 8.40 | % | 8.43 | % | 8.62 | % | 8.43 | % | ||||||||
Total Risk-Based Capital Ratio | 13.85 | % | 13.84 | % | 13.14 | % | 13.84 | % |
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end