Exhibit 99.1

 

 

 

  

Press Release For Immediate Release
  Date:   May 1, 2020

 

 

  

GLEN BURNIE BANCORP ANNOUNCES

FIRST QUARTER 2020 RESULTS

 

GLEN BURNIE, MD (May 1, 2020) Glen Burnie Bancorp (“Bancorp”) (NASDAQ: GLBZ), the bank holding company for The Bank of Glen Burnie (“Bank”), today reported results for the first quarter ended March 31, 2020. Net income for the first quarter was $0.27 million, or $0.09 per basic and diluted common share, as compared to $0.14 million, or $0.05 per basic and diluted common share for the three-month period ended March 31, 2019.

 

Net loan balances decreased by $7.6 million, or 2.70% during the three-month period ended March 31, 2020, driven by a $7.2 million decline in the indirect automobile loan portfolio, as compared to an increase of $0.2 million, or 0.08% during the same period of 2019. At March 31, 2020, Bancorp had total assets of $380.5 million. Bancorp, the oldest independent commercial bank in Anne Arundel County, paid its 111th consecutive quarterly dividend on May 1, 2020.

 

"The Company is highly focused on navigating the current challenges brought on by the COVID-19 pandemic. While we expect to see an adverse impact to our earnings in the near term, we are confident that we have the right leadership, a solid balance sheet and strong risk management to manage well through the situation," said John D. Long, President and Chief Executive Officer. “The decrease in net interest income and increase in net interest margin from the year-ago quarter were primarily due to declines in balances and change in the mix of the loan and investment security portfolios, combined with lower rates paid on interest-bearing liabilities. The decline in rates paid on interest-bearing liabilities is primarily attributable to the five rate cuts by the Federal Reserve from August 2019 through March 2020 with the March 15th movement lowering the federal funds rate to a range of 0% - 0.25%.”

 

Commenting on the first quarter results, Mr. Long continued, “The COVID-19 pandemic has caused severe disruptions to the global economy and the markets in which we operate. Our top concerns have shifted to servicing the immediate liquidity needs of our clients, ensuring the health and well-being of our employees and supporting the communities in which we live and serve. Our teams have been working tirelessly to assist clients by executing the Small Business Administration (SBA) Paycheck Protection Program (PPP) enacted as part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act stimulus legislation, assisting with payment forbearance as appropriate and other relief programs. We have executed our strategic pandemic plan, which included implementing remote work arrangements to the fullest extent possible, separating individual departments, operating branch lobbies by appointment only, and fully staffing all branch drive-thru lanes. We are communicating with and encouraging our customers to use our Automatic Teller Machines, online banking, mobile banking and bill pay and are actively promoting social distancing in all aspects of our everyday business.”

 

 

 

 

In closing, Mr. Long added, “In these very unusual times, our strength and resolve enable us to take exceptional care of our customers, employees and communities. Based on our capital levels, conservative underwriting policies, on- and off-balance sheet liquidity, strong loan diversification, and current economic conditions within the markets we serve, management expects to navigate the uncertainties associated with the pandemic and remain well-capitalized. We are closely monitoring the rapid developments regarding the pandemic and remain confident in our long-term strategic vision.”

 

 

COVID-19 Operational Response

 

The Company has business continuity plans in place that cover a variety of potential impacts to business operations. These plans are periodically reviewed and tested and have been designed to protect the ongoing viability of bank operations in the event of a disruption such as a pandemic. Beginning in early March 2020, the Company activated its pandemic preparedness plan. Following recommendations from the Centers for Disease Control and Prevention and the Maryland Governor, the Company implemented enhanced cleaning practices for bank facilities and provided guidance to employees and customers on best practices to minimize the spread of the virus. The Company modified delivery channels with a shift to drive thru only service at the banking offices supplemented by appointments for service in the office lobbies. The Company also encouraged the use of online and mobile channels.

 

To help ensure the availability of staff across all Company locations and departments, the Company took several steps including transitioning many support positions to remote only to minimize the potential for the infection of an entire department or area. On any given day, approximately 30% of the Company’s employee base are working remotely. The Company has enhanced its remote work capabilities by providing additional laptops and various audio and video meeting technologies.

 

We are actively participating in the SBA PPP program and expect to fund it with minimal capital impact. Under this program, the Bank approved 75 loan requests as of April 30, 2020 that were authorized by the SBA for approximately $13.6 million.

 

The State of Maryland issued stay-at-home order has disrupted non-essential businesses, caused large disruptions in spending and caused widespread furloughs and layoffs within the workforce. In response to requests from borrowers who have experienced pandemic-related business or personal cash flow interruptions, and in accordance with recently issued regulatory guidance, we have made short-term loan modifications involving payment deferrals. As of April 30, 2020, approximately 205 loans with balances of $37.5 million have been approved.

 

 

Highlights for the First Three Months of 2020

 

Total interest income declined $0.2 million or 5.7% to $3.5 million, driven by decreases in interest income on loans and investment securities consistent with declines in the balances of these portfolios, and lower interest earned on overnight funds, mainly attributable to lower market rates. Beyond pricing pressure/competition and the absolute low level of rates, the current economic outlook and prospects of a sustained historic low interest rate environment will likely continue to place pressure on net interest margin. Exacerbating the above, the Company has maintained significantly higher levels of excess balance sheet liquidity during the first quarter of 2020.

 

 

 

 

As a result of minimal charge-offs, reduction in our loan portfolio and strong credit discipline, we were able to recapture a portion of loan loss reserves in the first quarter of 2020. Bancorp has strong liquidity and capital positions that provide ample capacity for future growth, along with the Bank’s total regulatory capital to risk weighted assets of 13.33% at March 31, 2020, as compared to 13.46% for the same period of 2019.

 

Return on average assets for the three-month period ended March 31, 2020 was 0.28%, as compared to 0.14% for the three-month period ended March 31, 2019. Return on average equity for the three-month period ended March 31, 2020 was 2.98%, as compared to 1.59% for the three-month period ended March 31, 2019. Higher net income and lower average asset balances primarily drove the higher return on average assets; while higher net income primarily drove the higher return on average equity.

 

The book value per share of Bancorp’s common stock was $12.67 at March 31, 2020, as compared to $12.23 per share at March 31, 2019.

 

At March 31, 2020, the Bank remained above all “well-capitalized” regulatory requirement levels. The Bank’s tier 1 risk-based capital ratio was approximately 12.63% at March 31, 2020, as compared to 12.51% at March 31, 2019. Liquidity remained strong due to managed cash and cash equivalents, borrowing lines with the FHLB of Atlanta, the Federal Reserve and correspondent banks, and the size and composition of the bond portfolio.

 

 

Balance Sheet Review

 

Total assets were $380.5 million at March 31, 2020, a decrease of $4.4 million or 1.15%, from $384.9 million at December 31, 2019. Investment securities were $70.2 million at March 31, 2020, a decrease of $1.3 million or 1.84%, from $71.5 million at December 31, 2019. Loans, net of deferred fees and costs, were $277.0 million at March 31, 2020, a decrease of $7.7 million or 2.73%, from $284.7 million at December 31, 2019. Cash and cash equivalents increased $4.8 million or 35.97%, from December 31, 2019 to March 31, 2020.

 

Total deposits were $321.8 million at March 31, 2020, an increase of $0.4 million or 0.11%, from $321.4 million at December 31, 2019. Noninterest-bearing deposits were $113.3 million at March 31, 2020, an increase of $6.1 million or 5.70%, from $107.2 million at December 31, 2019. Noninterest-bearing demand deposit balances increased, as customers maintained higher levels of liquidity due to economic uncertainty. Interest-bearing deposits were $208.5 million at March 31, 2020, a decrease of $5.8 million or 2.69%, from $214.3 million at December 31, 2019. Total borrowings were $20.0 million at March 31, 2020, a decrease of $5.0 million or 20.00%, from $25.0 million at December 31, 2019.

 

Stockholders’ equity was $35.9 million at March 31, 2020, an increase of $0.2 million or 0.50%, from $35.7 million at December 31, 2019. The $0.2 million decrease in accumulated other comprehensive loss drove the increase in stockholders’ equity.

 

Asset quality, which has trended within a narrow range over the past several years, has remained sound and reflected no impact related to the pandemic at March 31, 2020. Nonperforming assets, which consist of nonaccrual loans, troubled debt restructurings, accruing loans past due 90 days or more, and other real estate owned, represented 1.26% of total assets at March 31, 2020, as compared to 0.86% for the same period of 2019.

 

 

Review of Financial Results

 

For the three-month periods ended March 31, 2020 and 2019

 

Net income for the three-month period ended March 31, 2020 was $0.27 million, as compared to $0.14 million for the three-month period ended March 31, 2019.

 

 

 

 

Net interest income for the three-month period ended March 31, 2020 totaled $3.05 million, as compared to $3.14 million for the three-month period ended March 31, 2019. Average earning-asset balances decreased $20 million to $366 million for the three-month period ended March 31, 2020, as compared to $386 million for the same period of 2019. Competitive loan origination pressures as well as a declining interest rate environment drove the decrease in average interest-earning asset balances and yields.

 

Net interest margin for the three-month period ended March 31, 2020 was 3.34%, as compared to 3.30% for the same period of 2019, an increase of 0.04%. Lower average balances and yields on interest-earning assets and lower cost of funds on interest-bearing liabilities were the primary drivers of the results. The average balance on interest-earning assets decreased $20 million while the yield decreased 0.07%. The cost of funds decreased 0.10% from 0.63% to 0.53% primarily due to the $17 million reduction in borrowed funds year-over-year.

 

The negative provision for loan losses for the three-month period ended March 31, 2020 was $80,000, as compared to a positive provision of $173,000 for the same period of 2019. The decrease for the three-month period ended March 31, 2020, when compared to the three-month period ended March 31, 2019, primarily reflects a decrease in the balance of the loan portfolio and net charge offs. As a result, the allowance for loan losses was $1.92 million at March 31, 2020, representing 0.69% of total loans, as compared to $2.61 million, or 0.87% of total loans at March 31, 2019.

 

Noninterest income for the three-month period ended March 31, 2020 was $255,000, as compared to $282,000 for the three-month period ended March 31, 2019.

 

For the three-month period ended March 31, 2020, noninterest expense was $3.04 million, as compared to $3.08 million for the three-month period ended March 31, 2019. The primary contributors to the $0.04 million decrease, when compared to the three-month period ended March 31, 2019 were decreases in salary and employee benefits, telephone costs and other expenses, offset by increases in occupancy and equipment expenses, legal, accounting and other professional fees, data processing and item processing services and loan collection costs.

 

For the three-month period ended March 31, 2020, income tax expense was $75,000 compared with $36,000 for the same period a year earlier. The effective tax rate was 21.94%, compared with 21.12% for the same period a year ago.

 

 

 

  

# # #

 

Glen Burnie Bancorp Information

 

Glen Burnie Bancorp is a bank holding company headquartered in Glen Burnie, Maryland. Founded in 1949, The Bank of Glen Burnie® is a locally owned community bank with 8 branch offices serving Anne Arundel County. The Bank is engaged in the commercial and retail banking business including the acceptance of demand and time deposits, and the origination of loans to individuals, associations, partnerships and corporations. The Bank’s real estate financing consists of residential first and second mortgage loans, home equity lines of credit and commercial mortgage loans. The Bank also originates automobile loans through arrangements with local automobile dealers. Additional information is available at www.thebankofglenburnie.com.

 

Forward-Looking Statements

 

The statements contained herein that are not historical financial information, may be deemed to constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are subject to certain risks and uncertainties, which could cause the Company’s actual results in the future to differ materially from its historical results and those presently anticipated or projected. These statements are evidenced by terms such as “anticipate,” “estimate,” “should,” “expect,” “believe,” “intend,” and similar expressions. Although these statements reflect management’s good faith beliefs and projections, they are not guarantees of future performance and they may not prove true. For a more complete discussion of these and other risk factors, please see the Company’s reports filed with the Securities and Exchange Commission.

 

For further information contact:

 

Jeffrey D. Harris, Chief Financial Officer

410-768-8883

jdharris@bogb.net

106 Padfield Blvd

Glen Burnie, MD 21061

 

 

 

 

 

 

 

 

GLEN BURNIE BANCORP AND SUBSIDIARY

CONSOLIDATED BALANCE SHEETS

(dollars in thousands)

 

   March 31,   March 31,   December 31, 
   2020   2019   2019 
   (unaudited)   (unaudited)   (audited) 
ASSETS               
Cash and due from banks  $2,658   $2,341   $2,420 
Interest bearing deposits with banks and federal funds sold   15,413    14,194    10,870 
   Total Cash and Cash Equivalents   18,071    16,535    13,290 
                
Investment securities available for sale, at fair value   70,172    61,420    71,486 
Restricted equity securities, at cost   1,199    1,439    1,437 
                
Loans, net of deferred fees and costs   276,960    299,417    284,738 
Allowance for loan losses   (1,918)   (2,605)   (2,066)
   Loans, net   275,042    296,812    282,672 
                
Real estate acquired through foreclosure   705    705    705 
Premises and equipment, net   3,900    3,901    3,761 
Bank owned life insurance   8,062    7,900    8,023 
Deferred tax assets, net   611    1,197    672 
Accrued interest receivable   970    1,110    961 
Accrued taxes receivable   1,174    1,221    1,221 
Prepaid expenses   374    515    406 
Other assets   220    304    308 
    Total Assets  $380,500   $393,059   $384,942 
                
LIABILITIES               
Noninterest-bearing deposits  $113,264   $107,249   $107,158 
Interest-bearing deposits   208,516    224,364    214,282 
   Total Deposits   321,780    331,613    321,440 
                
Short-term borrowings   20,000    25,000    25,000 
Defined pension liability   323    298    317 
Accrued expenses and other liabilities   2,540    1,693    2,505 
   Total Liabilities   344,643    358,604    349,262 
                
STOCKHOLDERS' EQUITY               
Common stock, par value $1, authorized 15,000,000 shares,  issued and outstanding 2,830,358, 2,817,821, and 2,827,473 shares as of March 31, 2020, March 31, 2019, and December 31, 2019, respectively.   2,830    2,818    2,827 
Additional paid-in capital   10,554    10,433    10,525 
Retained earnings   22,522    21,919    22,537 
Accumulated other comprehensive loss   (49)   (715)   (209)
   Total Stockholders' Equity   35,857    34,455    35,680 
   Total Liabilities and Stockholders' Equity  $380,500   $393,059   $384,942 

 

 

 

  

GLEN BURNIE BANCORP AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF INCOME

(dollars in thousands, except per share amounts)

  

   Three Months Ended
March 31,
 
   2020   2019 
   (unaudited)   (unaudited) 
Interest income          
Interest and fees on loans  $3,071   $3,189 
Interest and dividends on securities   381    400 
Interest on deposits with banks and federal funds sold   47    120 
   Total Interest Income   3,499    3,709 
           
Interest expense          
Interest on deposits   325    332 
Interest on short-term borrowings   126    238 
   Total Interest Expense   451    570 
           
   Net Interest Income   3,048    3,139 
Provision for loan losses   (80)   173 
   Net interest income after provision for loan losses   3,128    2,966 
           
Noninterest income          
Service charges on deposit accounts   56    61 
Other fees and commissions   159    178 
Gain on securities sold   1    3 
Income on life insurance   39    40 
   Total Noninterest Income   255    282 
           
Noninterest expenses          
Salary and employee benefits   1,705    1,770 
Occupancy and equipment expenses   331    314 
Legal, accounting and other professional fees   252    232 
Data processing and item processing services   234    176 
FDIC insurance costs   51    56 
Advertising and marketing related expenses   25    27 
Loan collection costs   67    13 
Telephone costs   47    66 
Other expenses   329    423 
   Total Noninterest Expenses   3,039    3,077 
           
Income before income taxes   343    171 
Income tax expense   (75)   (36)
           
   Net income  $268   $135 
           
Basic and diluted net income per common share  $0.09   $0.05 

 

 

 

  

GLEN BURNIE BANCORP AND SUBSIDIARY

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY

For the three months ended March 31, 2020 and 2019

(dollars in thousands)

  

               Accumulated     
       Additional       Other   Total 
   Common   Paid-in   Retained   Comprehensive   Stockholders' 
   Stock   Capital   Earnings   (Loss)   Equity 
Balance, December 31, 2018  $2,814   $10,401   $22,066   $(1,230)  $34,051 
                          
Net income   -    -    135    -    135 
Cash dividends, $0.10 per share   -    -    (282)   -    (282)
Dividends reinvested under                         
   dividend reinvestment plan   4    32    -    -    36 
Other comprehensive income   -    -    -    515    515 
Balance, March 31, 2019  $2,818   $10,433   $21,919   $(715)  $34,455 

 

 

 

               Accumulated     
       Additional       Other   Total 
   Common   Paid-in   Retained   Comprehensive   Stockholders' 
   Stock   Capital   Earnings   (Loss)/Income   Equity 
Balance, December 31, 2019  $2,827   $10,525   $22,537   $(209)  $35,680 
                          
Net income   -    -    268    -    268 
Cash dividends, $0.10 per share   -    -    (283)   -    (283)
Dividends reinvested under                         
   dividend reinvestment plan   3    29    -    -    32 
Other comprehensive income   -    -    -    160    160 
Balance, March 31, 2020  $2,830   $10,554   $22,522   $(49)  $35,857 

 

 

 

  

THE BANK OF GLEN BURNIE

CAPITAL RATIOS

(dollars in thousands)

 

                   To Be Well 
                   Capitalized Under 
           To Be Considered   Prompt Corrective 
         Adequately Capitalized   Action Provisions 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
As of March 31, 2020:                              
(unaudited)                              
Common Equity Tier 1 Capital   35,730    12.63%   12,726    4.50%   18,382    6.50%
Total Risk-Based Capital   37,698    13.33%   22,624    8.00%   28,280    10.00%
Tier 1 Risk-Based Capital   35,730    12.63%   16,968    6.00%   22,624    8.00%
Tier 1 Leverage   35,730    9.34%   15,309    4.00%   19,137    5.00%
                               
As of December 31, 2019:                              
(unaudited)                              
Common Equity Tier 1 Capital  $35,693    12.47%  $12,878    4.50%  $18,602    6.50%
Total Risk-Based Capital  $37,797    13.21%  $22,895    8.00%  $28,619    10.00%
Tier 1 Risk-Based Capital  $35,693    12.47%  $17,171    6.00%  $22,895    8.00%
Tier 1 Leverage  $35,693    9.26%  $15,414    4.00%  $19,268    5.00%
                               
As of March 31, 2019:                              
(unaudited)                              
Common Equity Tier 1 Capital  $34,681    12.51%  $12,472    4.50%  $18,014    6.50%
Total Risk-Based Capital  $37,311    13.46%  $22,172    8.00%  $27,715    10.00%
Tier 1 Risk-Based Capital  $34,681    12.51%  $16,629    6.00%  $22,172    8.00%
Tier 1 Leverage  $34,681    8.68%  $15,983    4.00%  $19,978    5.00%

 

 

 

  

GLEN BURNIE BANCORP AND SUBSIDIARY

SELECTED FINANCIAL DATA

(dollars in thousands, except per share amounts)

  

   Three Months Ended   Year Ended 
   March 31,   December 31,   March 31,   December 31, 
   2020   2019   2019   2019 
   (unaudited)   (unaudited)   (unaudited)   (unaudited) 
                 
Financial Data                    
Assets  $380,500   $384,942   $393,059   $384,942 
Investment securities   70,172    71,486    61,420    71,486 
Loans, (net of deferred fees & costs)   276,960    284,738    299,417    284,738 
Allowance for loan losses   1,918    2,066    2,605    2,066 
Deposits   321,780    321,439    331,613    321,440 
Borrowings   20,000    25,000    25,000    25,000 
Stockholders' equity   35,857    35,680    34,455    35,680 
Net income   268    539    135    1,599 
                     
Average Balances                    
Assets  $382,949   $385,603   $400,064   $387,315 
Investment securities   70,779    68,245    69,939    65,315 
Loans, (net of deferred fees & costs)   281,335    286,427    299,506    292,075 
Deposits   320,606    327,048    323,282    324,565 
Borrowings   23,692    20,323    41,181    25,573 
Stockholders' equity   36,162    35,602    34,346    35,104 
                     
Performance Ratios                    
Annualized return on average assets   0.28%   0.55%   0.14%   0.41%
Annualized return on average equity   2.98%   6.00%   1.59%   4.55%
Net interest margin   3.34%   3.42%   3.30%   3.39%
Dividend payout ratio   105%   52%   208%   71%
Book value per share  $12.67   $12.62   $12.23   $12.62 
Basic and diluted net income per share   0.09    0.19    0.05    0.57 
Cash dividends declared per share   0.10    0.10    0.10    0.40 
Basic and diluted weighted average
   shares outstanding
   2,829,375    2,826,408    2,816,518    2,821,608 
                     
Asset Quality Ratios                    
Allowance for loan losses to loans   0.69%   0.73%   0.87%   0.73%
Nonperforming loans to avg. loans   1.46%   1.45%   0.90%   1.42%
Allowance for loan losses to
   nonaccrual & 90+ past due loans
   46.7%   49.8%   104.7%   49.8%
Net charge-offs annualize to avg. loans   0.10%   0.09%   0.15%   0.12%
                     
Capital Ratios                    
Common Equity Tier 1 Capital   12.63%   12.47%   12.51%   12.47%
Tier 1 Risk-based Capital Ratio   12.63%   12.47%   12.51%   12.47%
Leverage Ratio   9.34%   9.26%   8.68%   9.26%
Total Risk-Based Capital Ratio   13.33%   13.21%   13.46%   13.21%

 

 

 

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Screenshot of intrinsic value for AT&T (2019)
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Financial Stability Report
Screenshot of financial stability report for Coco-Cola (2019)
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