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Baltimore County Savings Bank

Baltimore, MD · Cert 32341

FDIC

Q4 2013

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 2013, the quarter ended December 31, 2013, 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 2026-10-10

Baltimore County Savings Bank

Baltimore, MD · Cert 32341

FDIC

Q4 2013

$604.0MAssets
$324.1MLoans
$534.8MDeposits
$63.3MEquity
Loan mix
97%RE $221.7M2%C&I $5.5M1%Consumer $1.6MQ4 2012Q4 2013
Deposit mix
92%Interest-bearing $494.3M8%Noninterest $40.5MQ4 2012Q4 2013

NIM

4.31%Q4 ’114.03%Q4 ’123.86%Q4 ’13+0%+1%

Non-interest income vs. expense

2.78%Q4 ’112.65%Q4 ’122.72%Q4 ’13-10%+4%

Executive Summary

  • Earnings: ROA of 0.42%, up 3 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Funding: loans stand at 60.60% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

0.42%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+2 bps YoY

Efficiency Ratio (YTD, annualized)

78.38%+233 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.39%0.25%0.36%0.47%0.42%+3 bps
Return on Equity3.83%2.38%3.51%4.53%4.07%+25 bps
Net Interest Margin3.11%3.04%3.04%3.08%3.13%+2 bps
Efficiency Ratio76.05%82.71%79.28%75.44%78.38%+233 bps
Non-Interest Burden2.28%2.45%2.33%2.24%2.38%+10 bps
Growth
Asset Growth (YoY)0.55%0.93%-0.76%-4.11%-6.01%-656 bps
Loan Growth (YoY)-7.27%-9.46%-7.08%-3.45%-2.72%+454 bps
Deposit Growth (YoY)1.09%0.37%-0.74%-3.94%-6.03%-712 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.29%0.49%0.26%0.20%0.14%-15 bps
Allowance / Loans1.06%1.12%1.07%1.04%1.07%+1 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 Capital18.28%19.05%18.82%18.61%19.00%+71 bps
Equity / Assets10.50%10.57%10.05%10.16%10.47%-3 bps
Liquidity & Funding
Loans / Deposits58.54%56.42%56.52%59.80%60.60%+206 bps
Liquid Assets / Assets7.48%5.52%4.14%2.46%2.26%-522 bps
CRE / Total Capitaln/an/an/an/an/an/an/a