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First Mariner Bank

Baltimore, MD · Cert 31286

FDIC · 15 branches

Q4 2017

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: Q4 2017, the quarter ended December 31, 2017, 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

First Mariner Bank

Baltimore, MD · Cert 31286

FDIC · 15 branches

Q4 2017

$989.4MAssets
$726.7MLoans
$719.6MDeposits
$98.6MEquity
Loan mix
73%RE $413.5M19%C&I $106.7M8%Consumer $44.9MQ4 2016Q4 2017
Deposit mix
74%Interest-bearing $531.5M26%Noninterest $188.2MQ4 2016Q4 2017

NIM

3.49%Q4 ’153.48%Q4 ’163.56%Q4 ’17-4%+1%

Non-interest income vs. expense

6.63%Q4 ’155.66%Q4 ’164.90%Q4 ’17-24%+19%

Market Position · Baltimore-Columbia-Towson, MD · 2017 SOD (annual) · 1.1% share · #12 of 56 inst. · $0.8B of $72.3B

1.8% Baltimore
0.8% Baltimore (City)
0.7% Anne Arundel
2.2% Harford

Executive Summary

  • Earnings: ROA of -0.24%, down 35 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 2.25% of loans (+225 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 8.88%, down 56 bps from a year ago.
  • Funding: loans stand at 100.98% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.24%-35 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+4 bps YoY

Efficiency Ratio (YTD, annualized)

100.00%+788 bps YoY

Tier 1 Leverage Ratio

8.88%-56 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.11%-0.27%-0.32%-0.26%-0.24%-35 bps
Return on Equity1.03%-2.65%-3.08%-2.55%-2.39%-342 bps
Net Interest Margin3.05%3.05%3.05%3.08%3.09%+4 bps
Efficiency Ratio92.12%100.34%102.75%101.41%100.00%+788 bps
Non-Interest Burden2.63%3.11%3.22%3.19%3.13%+50 bps
Growth
Asset Growth (YoY)5.65%3.44%-0.96%6.85%1.67%-398 bps
Loan Growth (YoY)17.04%14.57%6.47%11.24%4.22%-1,282 bps
Deposit Growth (YoY)0.61%-0.66%0.10%-4.42%-4.72%-534 bps
Asset Quality
Nonperforming Loans / Loans0.00%2.42%2.42%2.71%2.25%+225 bps
Net Charge-Offs / Loans0.24%0.05%0.10%0.12%0.16%-7 bps
Allowance / Loans0.55%0.61%0.56%0.56%0.58%+3 bps
Allowance Coverage of NPLsn/a0.3x0.2x0.2x0.3xn/a
Capital
Tier 1 Leverage Ratio9.44%9.08%9.02%8.89%8.88%-56 bps
Total Risk-Based Capital12.77%12.41%11.76%11.82%11.81%-96 bps
Equity / Assets10.27%10.31%10.20%10.01%9.97%-30 bps
Liquidity & Funding
Loans / Deposits92.31%88.04%91.70%97.09%100.98%+867 bps
Liquid Assets / Assets1.18%2.02%1.24%2.48%1.56%+38 bps
CRE / Total Capitaln/an/an/an/an/an/an/a