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Old Line National Bank

Waldorf, MD · Cert 27599

FDIC · 37 branches

Q3 2019

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: Q3 2019, the quarter ended September 30, 2019, 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

Old Line National Bank

Waldorf, MD · Cert 27599

FDIC · 37 branches

Q3 2019

$3.1BAssets
$2.5BLoans
$2.4BDeposits
$427.0MEquity
Loan mix
78%RE $1.2B20%C&I $0.3B2%Consumer $0.0BQ3 2018Q3 2019
Deposit mix
74%Interest-bearing $1.8B26%Noninterest $0.6BQ3 2018Q3 2019

NIM

3.58%Q3 ’173.65%Q3 ’184.11%Q3 ’190%+2%

Non-interest income vs. expense

2.01%Q3 ’171.93%Q3 ’181.84%Q3 ’19-3%-9%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2019 SOD (annual) · 0.6% share · #19 of 75 inst. · $1.5B of $261.4B

8.0% Prince George's
14.6% Charles
1.6% Baltimore
0.5% Montgomery

Executive Summary

  • Earnings: ROA of 1.27%, up 3 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.34% of loans (+5 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.74%, up 52 bps from a year ago.
  • Funding: loans stand at 103.62% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

1.27%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+7 bps YoY

Efficiency Ratio (YTD, annualized)

49.50%-495 bps YoY

Tier 1 Leverage Ratio

10.74%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.24%1.32%1.24%1.25%1.27%+3 bps
Return on Equity9.99%10.40%9.16%9.21%9.29%-71 bps
Net Interest Margin3.20%3.27%3.36%3.26%3.28%+7 bps
Efficiency Ratio54.45%51.69%48.90%49.49%49.50%-495 bps
Non-Interest Burden1.59%1.51%1.49%1.45%1.45%-14 bps
Growth
Asset Growth (YoY)42.16%39.89%39.13%4.87%5.65%-3,652 bps
Loan Growth (YoY)43.30%42.28%37.80%2.31%4.34%-3,897 bps
Deposit Growth (YoY)35.12%38.68%30.57%8.08%7.78%-2,734 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.20%0.27%0.32%0.34%+5 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.02%+1 bps
Allowance / Loans0.29%0.31%0.32%0.32%0.32%+3 bps
Allowance Coverage of NPLs1.0x1.5x1.2x1.0x0.9x0.0x
Capital
Tier 1 Leverage Ratio10.22%10.43%10.62%10.53%10.74%+52 bps
Total Risk-Based Capital11.34%11.55%11.69%11.99%11.98%+64 bps
Equity / Assets13.49%13.70%13.45%13.74%13.79%+31 bps
Liquidity & Funding
Loans / Deposits107.04%105.63%104.19%102.41%103.62%-342 bps
Liquid Assets / Assets0.82%0.63%0.83%0.89%0.50%-32 bps
CRE / Total Capitaln/an/an/an/an/an/an/a