PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Maryland Permanent Bank and Trust Company

Owings Mills, MD · Cert 27555

FDIC

Q1 2006

$94.1MAssets
$65.0MLoans
$84.8MDeposits
$9.1MEquity
Loan mix
48%RE $7.8M51%C&I $8.3M0%Consumer $0.1MQ1 2005Q1 2006
Deposit mix
91%Interest-bearing $77.2M9%Noninterest $7.6MQ1 2005Q1 2006

NIM

6.24%Q1 ’046.00%Q1 ’056.89%Q1 ’06-15%+12%

Non-interest income vs. expense

4.50%Q1 ’044.07%Q1 ’054.07%Q1 ’06-15%+5%

Executive Summary

  • Earnings: ROA of 0.17%, up 14 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 76.59% of deposits as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

0.17%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+40 bps YoY

Efficiency Ratio (YTD, annualized)

93.49%-525 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.03%0.00%-0.05%-0.06%0.17%+14 bps
Return on Equity0.31%0.02%-0.51%-0.60%1.72%+142 bps
Net Interest Margin3.50%3.49%3.56%3.78%3.91%+40 bps
Efficiency Ratio98.74%108.25%107.70%106.16%93.49%-525 bps
Non-Interest Burden3.45%3.82%3.87%4.05%3.62%+17 bps
Growth
Asset Growth (YoY)7.34%18.96%11.82%7.49%9.98%+264 bps
Loan Growth (YoY)21.56%13.81%10.60%8.66%-2.33%-2,389 bps
Deposit Growth (YoY)8.62%21.71%14.93%8.72%11.35%+272 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.26%-0.61%-0.61%-0.55%0.12%+38 bps
Allowance / Loans2.48%2.51%2.62%2.69%2.79%+31 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 Capital12.15%11.90%11.89%11.58%11.85%-30 bps
Equity / Assets10.67%10.20%10.49%10.05%9.64%-103 bps
Liquidity & Funding
Loans / Deposits87.32%82.40%87.13%84.49%76.59%-1,073 bps
Liquid Assets / Assets0.05%0.05%0.05%0.05%0.04%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a