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Carrollton Bank

Baltimore, MD · Cert 12433

FDIC

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Carrollton Bank

Baltimore, MD · Cert 12433

FDIC

Q1 2013

$364.2MAssets
$273.8MLoans
$325.6MDeposits
$33.3MEquity
Loan mix
92%RE $195.9M8%C&I $16.9M0%Consumer $0.6MQ1 2012Q1 2013
Deposit mix
95%Interest-bearing $308.1M5%Noninterest $17.5MQ1 2012Q1 2013

NIM

4.77%Q1 ’114.60%Q1 ’124.01%Q1 ’13+1%-12%

Non-interest income vs. expense

4.97%Q1 ’115.25%Q1 ’125.16%Q1 ’13-7%-12%

Executive Summary

  • Earnings: ROA of 0.04%, up 12 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.07%.
  • Funding: loans stand at 84.11% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

0.04%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.26%-44 bps YoY

Efficiency Ratio (YTD, annualized)

87.69%+124 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-0.07%0.04%0.31%0.32%0.04%+12 bps
Return on Equity-0.85%0.50%3.47%3.59%0.47%+131 bps
Net Interest Margin3.70%3.66%3.64%3.57%3.26%-44 bps
Efficiency Ratio86.45%86.27%81.92%83.43%87.69%+124 bps
Non-Interest Burden2.87%2.85%2.53%2.59%2.53%-34 bps
Growth
Asset Growth (YoY)0.66%-4.50%1.81%0.15%-2.11%-277 bps
Loan Growth (YoY)-4.73%-6.47%-1.67%3.13%-5.95%-122 bps
Deposit Growth (YoY)7.49%3.83%6.62%2.84%-2.10%-959 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.56%0.46%0.39%-0.07%-16 bps
Allowance / Loans1.64%1.56%1.58%1.53%1.96%+33 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.34%12.20%12.54%12.00%12.82%+49 bps
Equity / Assets8.69%9.03%8.78%9.18%9.15%+46 bps
Liquidity & Funding
Loans / Deposits87.56%91.49%88.99%94.34%84.11%-345 bps
Liquid Assets / Assets7.51%4.80%8.14%3.79%13.27%+577 bps
CRE / Total Capitaln/an/an/an/an/an/an/a