0001144204-18-054933.txt : 20181023 0001144204-18-054933.hdr.sgml : 20181023 20181023151905 ACCESSION NUMBER: 0001144204-18-054933 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 5 CONFORMED PERIOD OF REPORT: 20181023 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20181023 DATE AS OF CHANGE: 20181023 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: 181134046 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 tv505329_8-k.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): October 23, 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 October 23, 2018, Glen Burnie Bancorp (the “Company”) announced its results of operations for its fiscal quarter ended September 30, 2018. A copy of the Company’s press release announcing such results dated October 23, 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.

99.1Press Release dated October 23, 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: October 23, 2018 By: /s/ John D. Long  
    John D. Long
    Chief Executive Officer

 

 

 

 

 

 

 EX-99.1 2 tv505329_ex99-1.htm EXHIBIT 99.1

Exhibit 99.1

 

 

 

 

Press Release For Immediate Release
  Date:   October 23, 2018

  

 

 

GLEN BURNIE BANCORP ANNOUNCES

THIRD QUARTER 2018 RESULTS

 

GLEN BURNIE, MD (October 23, 2018) – Glen Burnie Bancorp (“Bancorp”) (NASDAQ: GLBZ), the bank holding company for The Bank of Glen Burnie (“Bank”), announced today net income of $0.54 million, or $0.19 per basic and diluted common share for the three-month period ended September 30, 2018, as compared to net income of $0.41 million, or $0.15 per basic and diluted common share for the three-month period ended September 30, 2017.

 

Bancorp reported net income of $1.28 million, or $0.45 per basic and diluted common share for the nine-month period ended September 30, 2018, compared to $1.06 million, or $0.38 per basic and diluted common share for the same period in 2017. Net loans grew by $23.7 million, or 8.81% at September 30, 2018 when compared to the same period of 2017. At September 30, 2018, Bancorp had total assets of $411.4 million. Bancorp, the oldest independent commercial bank in Anne Arundel County, will pay its 105th consecutive quarterly dividend on November 2, 2018.

 

"We are pleased to report a strong quarter that was highlighted by expansion of our net interest margin and net interest income reflecting outstanding credit quality, disciplined loan pricing, and a beneficial balance sheet structure. Our third quarter results are consistent with our expectations and reflect year-over-year improvement in our profitability, driven by strong revenue growth,” stated John D. Long, President and CEO. “Our net interest margin increased to 3.34% in the third quarter of 2018 compared with 3.10% in the same period of 2017. The improved net interest margin exhibits a higher yield on average earning assets, primarily reflecting an increased yield on loans, which more than offset a higher cost of funds. Our cost of funds continued to trend upwards in the third quarter, reflecting the continuing rising interest rate environment. We believe that our current balance sheet structure positions our net interest income to benefit from any further Federal Open Market Committee tightening,” Mr. Long continued, “Our net income in the third quarter of 2018 increased 31.87% to $0.54 million compared with $0.41 million in the year-ago quarter. We also made several changes during the third quarter to streamline our operations and we remain focused on controlling overhead costs. Our sustained strength in core profitability, sound capital position, and healthy loan pipeline positions us to take advantage of future growth opportunities and finish the year strong.”

 

 

Highlights for the First Nine Months of 2018

 

Bancorp continued to grow organically in the third quarter of 2018 driven primarily by favorable net loan growth. 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 12.64% at September 30, 2018, as compared to 14.68% for the same period of 2017.

 

 

 

 

Return on average assets for the three-month period ended September 30, 2018 was 0.54%, as compared to 0.42% for the three-month period ended September 30, 2017. Return on average equity for the three-month period ended September 30, 2018 was 6.50%, as compared to 4.82% for the three-month period ended September 30, 2017.

 

The book value per share of Bancorp’s common stock was $11.86 at September 30, 2018, as compared to $12.38 per share at September 30, 2017.

 

At September 30, 2018, the Bank remained above all “well-capitalized” regulatory requirement levels. The Bank’s tier 1 risk-based capital ratio was approximately 11.75% at September 30, 2018, as compared to 13.63% at September 30, 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 $411.4 million at September 30, 2018, an increase of $21.5 million or 5.51%, from $389.9 million at September 30, 2017. Investment securities were $84.0 million at September 30, 2018, a decrease of $5.9 million or 6.53%, from $89.9 million at September 30, 2017. Loans, net of deferred fees and costs, were $295.0 million at September 30, 2018, an increase of $23.5 million or 8.66%, from $271.5 million at September 30, 2017. Bank owned life insurance decreased $1.7 million or 17.52% from September 30, 2017 to September 30, 2018 primarily due to the redemption of BOLI policies. Other assets increased $0.7 million from September 30, 2017 to September 30, 2018 primarily due to the increase in fair value of pay-fixed interest rate swaps used to convert variable rate FHLB borrowing into fixed rate debt.

 

Total deposits were $336.8 million at September 30, 2018, an increase of $2.7 million or 0.82%, from $334.1 million at September 30, 2017. Noninterest-bearing deposits were $107.9 million at September 30, 2018, an increase of $3.3 million or 3.20%, from $104.6 million at September 30, 2017. Interest-bearing deposits were $228.9 million at September 30, 2018, a decrease of $0.6 million or 0.26%, from $229.5 million at September 30, 2017. Total borrowings were $40.0 million at September 30, 2018, an increase of $20.0 million or 100.00%, from $20.0 million at September 30, 2017.

 

Stockholders’ equity was $33.3 million at September 30, 2018, a decrease of $1.3 million from $34.0 million at September 30, 2017. The $1.4 million increase in accumulated other comprehensive loss associated with net unrealized losses on the available for sale bond portfolio, offset by unrealized gains on interest rate swap contracts primarily drove the decrease in stockholders’ equity.

 

Nonperforming assets, which consist of nonaccrual loans, troubled debt restructurings, accruing loans past due 90 days or more, and other real estate owned, represented 0.75% of total assets at September 30, 2018, as compared to 1.08% for the same period of 2017.

 

 

Review of Financial Results

 

For the three-month periods ended September 30, 2018 and 2017

 

Net income for the three-month period ended September 30, 2018 was $0.54 million, as compared to net income of $0.41 million for the three-month period ended September 30, 2017.

 

Net interest income for the three-month period ended September 30, 2018 totaled $3.30 million, as compared to $2.94 million for the three-month period ended September 30, 2017. Average earning loan balances increased to $294 million for the three-month period ended September 30, 2018, as compared to $271 million for the same period of 2017.

 

 

 

 

Net interest margin for the three-month period ended September 30, 2018 was 3.34%, as compared to 3.10% for the same period of 2017. Higher yields on interest-earning assets were the primary driver of year-over-year results, as the yield on interest-earning assets increased 0.28% from 3.63% to 3.91% and the cost of funds increased 0.05% from 0.55% to 0.60% for the three-month periods ending September 30, 2018 and 2017, respectively.

 

The provision for loan losses for the three-month period ended September 30, 2018 was $246,000, as compared to $78,000 for the same period of 2017. The increase for the three-month period ended September 30, 2018 primarily reflects loan growth. As a result, the allowance for loan losses was $2.46 million at September 30, 2018, representing 0.83% of total loans, as compared to $2.62 million, or 0.97% of total loans at September 30, 2017.

 

Noninterest income for the three-month period ended September 30, 2018 was $331,000, as compared to $368,000 for the three-month period ended September 30, 2017.

 

For the three-month period ended September 30, 2018, noninterest expense was $2.76 million, as compared to $2.71 million for the three-month period ended September 30, 2017. The primary contributors to the $0.05 million increase, when compared to the three-month period ended September 30, 2017 were increases in salary and employee benefits, legal, accounting and other professional fees, data processing and items processing service, offset by decreases in occupancy and equipment expenses, advertising and marketing related expenses and telephone costs.

 

 

For the nine-month periods ended September 30, 2018 and 2017

 

Net income for the nine-month period ended September 30, 2018 was $1.28 million, as compared to net income of $1.06 million for the nine-month period ended September 30, 2017.

 

Net interest income for the nine-month period ended September 30, 2018 totaled $9.35 million, as compared to $8.66 million for the nine-month period ended September 30, 2017. Average earning loan balances increased to $283 million for the nine-month period ended September 30, 2018, as compared to $269 million for the same period of 2017.

 

Net interest margin for the nine-month period ended September 30, 2018 was 3.26%, as compared to 3.09% for the same period of 2017. Higher yields on interest-earning assets were the primary drivers of year-over-year results, as the yield on interest-earning assets increased 0.17% from 3.62% to 3.79% and the cost of funds remained unchanged at 0.55% for the nine-month periods ending September 30, 2018 and 2017, respectively.

 

The provision for loan losses for the nine-month period ended September 30, 2018 was $601,000, as compared to $243,000 for the same period of 2017. The increase for the nine-month period ended September 30, 2018 primarily reflects loan growth. As a result, the allowance for loan losses was $2.46 million at September 30, 2018, representing 0.83% of total loans, as compared to $2.62 million, or 0.97% of total loans for the same period of 2017.

 

Noninterest income for the nine-month period ended September 30, 2018 was $1.20 million, as compared to $0.94 million for the nine-month period ended September 30, 2017. The results for the first nine-month of 2018 include gains on redemptions of BOLI policies of $306,877.

 

For the nine-month period ended September 30, 2018, noninterest expense was $8.60 million, as compared to $8.10 million for the nine-month period ended September 30, 2017. The primary contributors to the $0.43 million increase, when compared to the nine-month period ended September 30, 2017 were increases in salary and employee benefits, legal, accounting and other professional fees and loan collection costs, partially offset by decreases in advertising and marketing related expenses and telephone costs.

 

 

# # #

 

 

 

 

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)

 

   September 30,   June 30,   December 31,   September 30, 
   2018   2018   2017   2017 
   (unaudited)   (unaudited)   (audited)   (unaudited) 
ASSETS                    
Cash and due from banks  $5,282   $2,584   $2,610   $4,371 
Interest bearing deposits with banks and
  federal funds sold		   10,208    5,498    9,995    7,126 
   Total Cash and Cash Equivalents   15,490    8,082    12,605    11,497 
                     
Investment securities available for sale, at fair value   84,029    87,314    89,349    89,903 
Restricted equity securities, at cost   2,073    1,443    1,232    1,228 
                     
Loans, net of deferred fees and costs   294,981    289,408    271,612    271,463 
  Less:  Allowance for loan losses   (2,455)   (2,284)   (2,589)   (2,623)
   Loans, net   292,526    287,124    269,023    268,840 
                     
Real estate acquired through foreclosure   705    114    114    114 
Premises and equipment, net   3,154    3,195    3,371    3,451 
Bank owned life insurance   7,818    7,780    8,713    9,479 
Deferred tax assets, net   2,863    2,713    2,429    2,847 
Accrued interest receivable   1,233    1,142    1,133    1,140 
Accrued taxes receivable   -    -    465    638 
Prepaid expenses   516    471    433    512 
Other assets   958    2,093    583    235 
    Total Assets  $411,365   $401,471   $389,450   $389,884 
                     
LIABILITIES                    
Noninterest-bearing deposits  $107,921   $108,414   $104,017   $104,571 
Interest-bearing deposits   228,926    233,393    230,221    229,534 
   Total Deposits   336,847    341,807    334,238    334,105 
                     
Short-term borrowings   40,000    25,000    20,000    20,000 
Defined pension liability   323    317    335    328 
Accrued Taxes Payable   102    28    -    - 
Accrued expenses and other liabilities   749    775    835    815 
   Total Liabilities   378,021    367,927    355,408    355,248 
                     
STOCKHOLDERS' EQUITY                    
Common stock, par value $1, authorized 15,000,000 shares,  issued and outstanding 2,810,961, 2,807,819, 2,801,149, and 2,797,477 shares as of September 30, 2018, June 30, 2018, December 31, 2017, and September 30, 2017, respectively.   2,811    2,808    2,801    2,797 
Additional paid-in capital   10,368    10,335    10,267    10,233 
Retained earnings   21,936    21,778    21,605    21,935 
Accumulated other comprehensive loss   (1,771)   (1,377)   (631)   (329)
   Total Stockholders' Equity   33,344    33,544    34,042    34,636 
   Total Liabilities and Stockholders' Equity  $411,365   $401,471   $389,450   $389,884 

 

 

 

 

GLEN BURNIE BANCORP AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(dollars in thousands, except per share amounts)
(unaudited)            

 

   Three Months Ended
September 30,		   Nine Months Ended
September 30,		 
   2018   2017   2018   2017 
Interest income                    
Interest and fees on loans  $3,269   $2,883   $9,100   $8,503 
Interest and dividends on securities   526    498    1,585    1,523 
Interest on deposits with banks and federal funds sold   67    53    165    115 
   Total Interest Income   3,862    3,434    10,850    10,141 
                     
Interest expense                    
Interest on deposits   362    324    997    984 
Interest on short-term borrowings   198    142    506    309 
Interest on long-term borrowings   -    33    -    185 
   Total Interest Expense   560    499    1,503    1,478 
                     
   Net Interest Income   3,302    2,935    9,347    8,663 
Provision for loan losses   246    78    601    243 
   Net interest income after provision for loan losses   3,056    2,857    8,746    8,420 
                     
Noninterest income                    
Service charges on deposit accounts   59    72    187    208 
Other fees and commissions   216    245    564    573 
Gains on redemption of BOLI policies   -    -    308    1 
Income on life insurance   41    51    130    151 
Gains on sale of OREO   15    -    15    - 
Other income   -    -    -    2 
   Total Noninterest Income   331    368    1,204    935 
                     
Noninterest expenses                    
Salary and employee benefits   1,710    1,579    5,080    4,615 
Occupancy and equipment expenses   272    382    850    865 
Legal, accounting and other professional fees   212    180    721    648 
Data processing and item processing services   168    130    454    442 
FDIC insurance costs   64    64    187    188 
Advertising and marketing related expenses   16    38    65    110 
Loan collection costs   32    25    153    73 
Telephone costs   56    98    181    212 
Other expenses   226    217    911    944 
   Total Noninterest Expenses   2,756    2,713    8,602    8,097 
                     
Income before income taxes   631    512    1,348    1,258 
Income tax expense   89    101    73    194 
                     
   Net income  $542   $411   $1,275   $1,064 
                     
Basic and diluted net income
   per share of common stock		  $0.19   $0.15   $0.45   $0.38 

 

 

 

 

GLEN BURNIE BANCORP AND SUBSIDIARIES
CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY
For the nine months ended September 30, 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   $21,708   $(810)  $33,815 
                          
Net income   -    -    1,064    -    1,064 
Cash dividends, $0.30 per share   -    -    (837)   -    (837)
Dividends reinvested under                         
   dividend reinvestment plan   10    103    -    -    113 
Other comprehensive income   -    -    -    481    481 
Balance, September 30, 2017  $2,797   $10,233   $21,935   $(329)  $34,636 

 

 

               Accumulated     
       Additional       Other   Total 
   Common   Paid-in   Retained   Comprehensive   Stockholders' 
   Stock   Capital   Earnings   (Loss)   Equity 
Balance, December 31, 2017  $2,801   $10,267   $21,605   $(631)  $34,042 
                          
Net income   -    -    1,275    -    1,275 
Cash dividends, $0.30 per share   -    -    (944)   -    (944)
Dividends reinvested under                         
   dividend reinvestment plan   10    101    -    -    111 
Other comprehensive loss   -    -    -    (1,140)   (1,140)
Balance, September 30, 2018  $2,811   $10,368   $21,936   $(1,771)  $33,344 

 

 

 

 

 

THE BANK OF GLEN BURNIE
CAPITAL RATIOS
(dollars in thousands)

 

                   To Be Well 
                   Capitalized Under 
           To Be Considered   Prompt Corrective 
           Adequately Capitalized   Action Provisions 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
As of September 30, 2018:                              
(unaudited)                              
Common Equity Tier 1 Capital  $32,781    11.75%   $12,551    4.50%   $18,130    6.50% 
Total Risk-Based Capital  $35,260    12.64%   $22,313    8.00%   $27,892    10.00% 
Tier 1 Risk-Based Capital  $32,781    11.75%   $16,735    6.00%   $22,313    8.00% 
Tier 1 Leverage  $32,781    8.08%   $16,230    4.00%   $20,287    5.00% 
                               
As of June 30, 2018:                              
(unaudited)                              
Common Equity Tier 1 Capital  $33,335    11.94%   $12,559    4.50%   $18,140    6.50% 
Total Risk-Based Capital  $35,662    12.78%   $22,326    8.00%   $27,908    10.00% 
Tier 1 Risk-Based Capital  $33,335    11.94%   $16,745    6.00%   $22,326    8.00% 
Tier 1 Leverage  $33,335    8.39%   $15,883    4.00%   $19,854    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 September 30, 2017:                              
(unaudited)                              
Common Equity Tier 1 Capital  $34,064    13.63%   $11,250    4.50%   $16,251    6.50% 
Total Risk-Based Capital  $36,699    14.68%   $20,001    8.00%   $25,001    10.00% 
Tier 1 Risk-Based Capital  $34,064    13.63%   $15,001    6.00%   $20,001    8.00% 
Tier 1 Leverage  $34,064    8.56%   $15,919    4.00%   $19,898    5.00% 

 

 

 

 

 

GLEN BURNIE BANCORP AND SUBSIDIARIES    
SELECTED FINANCIAL DATA          
(dollars in thousands, except per share amounts)  

 

   Three Months Ended   Nine Months Ended   Year Ended 
   September 30,   June 30,   September 30,   September 30,   September 30,   December 31, 
   2018   2018   2017   2018   2017   2017 
   (unaudited)   (unaudited)   (unaudited)   (unaudited)   (unaudited)   (audited) 
                         
Financial Data                              
Assets  $411,365   $401,471   $389,884   $411,365   $389,884   $389,450 
Investment securities   84,029    87,314    89,903    84,029    89,903    89,349 
Loans, (net of deferred fees & costs)   294,981    289,408    271,463    294,981    271,463    271,612 
Allowance for loan losses   2,455    2,284    2,623    2,455    2,623    2,589 
Deposits   336,847    341,807    334,105    336,847    334,105    334,238 
Borrowings   40,000    25,000    20,000    40,000    20,000    20,000 
Stockholders' equity   33,344    33,544    34,636    33,344    34,636    34,042 
Net income   542    478    411    1,275    1,064    911 
                               
Average Balances                              
Assets  $407,660   $396,033   $393,877   $399,088   $392,837   $392,363 
Investment securities   88,611    91,290    90,028    90,783    92,151    91,634 
Loans, (net of deferred fees & costs)   293,949    281,104    270,973    283,006    269,333    269,600 
Deposits   338,412    335,479    334,739    336,128    335,970    335,805 
Borrowings   34,487    26,394    23,667    27,878    21,777    21,458 
Stockholders' equity   33,831    33,338    34,643    34,201    34,063    34,322 
                               
Performance Ratios                              
Annualized return on average assets   0.54%    0.49%    0.42%    0.65%    0.55%    0.23% 
Annualized return on average equity   6.50%    5.81%    4.82%    7.56%    6.33%    2.65% 
Net interest margin   3.34%    3.21%    3.10%    3.26%    3.09%    3.12% 
Dividend payout ratio   52%    59%    59%    66%    75%    123% 
Book value per share  $11.86   $11.95   $12.38   $11.86   $12.38   $12.15 
Basic and diluted net income per share   0.19    0.17    0.15    0.45    0.38    0.33 
Cash dividends declared per share   0.10    0.10    0.10    0.30    0.30    0.40 
Basic and diluted weighted average shares outstanding   2,809,834    2,806,599    2,796,099    2,806,341    2,792,544    2,794,381 
                               
Asset Quality Ratios                              
Allowance for loan losses to loans   0.83%    0.79%    0.97%    0.83%    0.97%    0.95% 
Nonperforming loans to avg. loans   0.82%    1.46%    1.57%    0.85%    1.53%    1.32% 
Allowance for loan losses to nonaccrual & 90+ past due loans   112.1%    58.6%    66.1%    112.1%    66.1%    77.7% 
Net charge-offs annualize to avg. loans   0.10%    0.87%    0.08%    1.04%    0.15%    0.09% 
                               
Capital Ratios                              
Common Equity Tier 1 Capital   11.75%    11.94%    13.63%    11.75%    13.63%    12.83% 
Tier 1 Risk-based Capital Ratio   11.75%    11.94%    13.63%    11.75%    13.63%    12.83% 
Leverage Ratio   8.08%    8.39%    8.56%    8.08%    8.56%    8.43% 
Total Risk-Based Capital Ratio   12.64%    12.78%    14.68%    12.64%    14.68%    13.84% 

 

 

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