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Colombo Bank

Rockville, MD · Cert 32654

FDIC

Q3 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: Q3 2013, the quarter ended September 30, 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 2026-10-11

Colombo Bank

Rockville, MD · Cert 32654

FDIC

Q3 2013

$140.1MAssets
$79.5MLoans
$102.5MDeposits
$12.0MEquity
Loan mix
95%RE $65.4M4%C&I $2.9M0%Consumer $0.2MQ3 2012Q3 2013
Deposit mix
82%Interest-bearing $84.1M18%Noninterest $18.4MQ3 2012Q3 2013

NIM

4.15%Q1 ’123.62%Q3 ’123.25%Q3 ’13-16%-10%

Non-interest income vs. expense

4.07%Q1 ’124.13%Q3 ’124.62%Q3 ’13-7%+7%

Executive Summary

  • Earnings: ROA of -1.43%, down 57 bps year over year; NIM at 2.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.30%.
  • Funding: loans stand at 77.52% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.43%-57 bps YoY

Net Interest Margin (YTD, annualized)

2.12%-25 bps YoY

Efficiency Ratio (YTD, annualized)

145.67%+1,453 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.87%-0.93%-1.83%-1.45%-1.43%-57 bps
Return on Equityn/an/a-18.50%-14.92%-15.16%n/a
Net Interest Margin2.36%2.49%1.96%2.01%2.12%-25 bps
Efficiency Ratio131.14%131.91%168.10%144.88%145.67%+1,453 bps
Non-Interest Burden3.34%3.55%3.81%3.48%3.56%+22 bps
Growth
Asset Growth (YoY)-6.33%-6.36%-4.90%-13.30%-3.62%+271 bps
Loan Growth (YoY)-14.92%-8.29%-7.94%-7.22%4.16%+1,908 bps
Deposit Growth (YoY)-10.74%-9.27%-6.54%-11.06%-0.01%+1,073 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%0.31%0.25%0.60%0.30%+33 bps
Allowance / Loans3.15%2.77%2.84%2.65%2.47%-68 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 Capital21.92%22.02%20.18%19.41%17.36%-456 bps
Equity / Assets10.26%10.13%9.62%9.46%8.57%-168 bps
Liquidity & Funding
Loans / Deposits74.42%75.93%72.65%75.15%77.52%+311 bps
Liquid Assets / Assets21.41%20.87%21.79%19.06%19.04%-237 bps
CRE / Total Capitaln/an/an/an/an/an/an/a