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Chesapeake Bank of Maryland

Parkville, MD · Cert 28684

FDIC · 4 branches

Q2 2022

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: Q2 2022, the quarter ended June 30, 2022, 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

Chesapeake Bank of Maryland

Parkville, MD · Cert 28684

FDIC · 4 branches

Q2 2022

$241.5MAssets
$150.1MLoans
$190.0MDeposits
$46.1MEquity
Loan mix
92%RE $107.8M8%C&I $9.3M0%Consumer $0.3MQ3 2020Q2 2022
Deposit mix
79%Interest-bearing $150.9M21%Noninterest $39.1MQ3 2020Q2 2022

Market Position · Baltimore-Columbia-Towson, MD · 2022 SOD (annual) · 0.2% share · #28 of 41 inst. · $0.2B of $104.6B

0.6% Baltimore
0.4% Harford
0.1% Anne Arundel

Executive Summary

  • Earnings: ROA of 0.06%, down 21 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.13% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.39%, up 90 bps from a year ago.
  • Funding: loans stand at 78.99% of deposits as of Q2 2022.

Return on Assets (YTD, annualized)

0.06%-21 bps YoY

Net Interest Margin (YTD, annualized)

2.62%-8 bps YoY

Efficiency Ratio (YTD, annualized)

96.75%+614 bps YoY

Tier 1 Leverage Ratio

19.39%+90 bps YoY

NIM

3.87%Q2 ’203.29%Q2 ’213.03%Q2 ’22-12%-3%

Non-interest income vs. expense

2.94%Q2 ’203.01%Q2 ’212.66%Q2 ’22-7%+6%

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.31%0.44%0.23%0.27%0.33%0.61%0.02%0.06%-21 bps
Return on Equity1.67%2.35%1.25%1.43%1.80%3.30%0.09%0.31%-113 bps
Net Interest Margin2.97%2.97%2.67%2.70%2.63%2.62%2.43%2.62%-8 bps
Efficiency Ratio83.75%80.06%89.09%90.61%87.67%80.19%98.49%96.75%+614 bps
Non-Interest Burden2.40%2.26%2.31%2.39%2.24%1.94%2.40%2.53%+14 bps
Growth
Asset Growth (YoY)6.52%6.51%4.90%6.31%8.01%6.24%3.24%-3.34%-964 bps
Loan Growth (YoY)10.87%-3.08%-7.13%-9.05%-7.09%-4.06%-6.72%-2.08%+697 bps
Deposit Growth (YoY)4.47%5.70%10.13%10.33%9.53%7.31%4.91%-3.27%-1,360 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.12%0.22%0.17%0.17%0.18%0.25%0.13%-4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%-0.01%0.00%0.00%0 bps
Allowance / Loans1.05%1.10%1.12%1.06%1.03%1.06%1.10%1.06%-1 bps
Allowance Coverage of NPLs3.6x9.2x5.0x6.4x6.0x6.0x4.4x8.3x+1.8x
Capital
Tier 1 Leverage Ratio18.28%18.66%18.62%18.49%18.10%18.74%18.06%19.39%+90 bps
Total Risk-Based Capital28.46%29.53%29.95%32.14%32.48%35.46%35.65%37.03%+489 bps
Equity / Assets18.88%18.95%18.68%18.07%18.21%18.74%17.89%19.08%+101 bps
Liquidity & Funding
Loans / Deposits91.97%86.01%82.99%78.03%78.01%76.89%73.79%78.99%+97 bps
Liquid Assets / Assets16.93%22.66%23.76%26.36%26.89%30.00%25.66%21.93%-443 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a