Old Line National Bank

Waldorf, MD · Cert 27599

FDIC · 37 branches

Q3 2019

$3.1BAssets

$2.5BLoans

$2.4BDeposits

$427.0MEquity

Loan mix

Deposit mix

NIM

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

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%.

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.

Metric	Q3 2018	Q4 2018	Q1 2019	Q2 2019	Q3 2019	YoY Δ	Trend
Earnings
Return on Assets	1.24%	1.32%	1.24%	1.25%	1.27%	+3 bps
Return on Equity	9.99%	10.40%	9.16%	9.21%	9.29%	-71 bps
Net Interest Margin	3.20%	3.27%	3.36%	3.26%	3.28%	+7 bps
Efficiency Ratio	54.45%	51.69%	48.90%	49.49%	49.50%	-495 bps
Non-Interest Burden	1.59%	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 / Loans	0.29%	0.20%	0.27%	0.32%	0.34%	+5 bps
Net Charge-Offs / Loans	0.01%	0.01%	0.01%	0.01%	0.02%	+1 bps
Allowance / Loans	0.29%	0.31%	0.32%	0.32%	0.32%	+3 bps
Allowance Coverage of NPLs	1.0x	1.5x	1.2x	1.0x	0.9x	0.0x
Capital
Tier 1 Leverage Ratio	10.22%	10.43%	10.62%	10.53%	10.74%	+52 bps
Total Risk-Based Capital	11.34%	11.55%	11.69%	11.99%	11.98%	+64 bps
Equity / Assets	13.49%	13.70%	13.45%	13.74%	13.79%	+31 bps
Liquidity & Funding
Loans / Deposits	107.04%	105.63%	104.19%	102.41%	103.62%	-342 bps
Liquid Assets / Assets	0.82%	0.63%	0.83%	0.89%	0.50%	-32 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a