Exhibit 99.1

 

 

Press Release For Immediate Release
  Date:   February 15, 2018
   

 

GLEN BURNIE BANCORP ANNOUNCES

 

YEAR and FOURTH QUARTER 2017 RESULTS

 

GLEN BURNIE, MD (February 15, 2018) Glen Burnie Bancorp (“Bancorp”) (NASDAQ: GLBZ), the bank holding company for The Bank of Glen Burnie (“Bank”), announced today net income of $0.91 million, or $0.33 per basic and diluted common share for the year ended December 31, 2017, compared to $1.10 million, or $0.40 per basic and diluted common share for the year ended December 31, 2016.

 

For the fourth quarter ended December 31, 2017, Bancorp reported a net loss of $0.15 million, or $0.05 per basic and diluted common share, compared to net income of $0.40 million or $0.14 per basic and diluted common share for the fourth quarter of 2016.

 

The Tax Cuts and Jobs Act ("the Tax Act") was enacted on December 22, 2017, reducing the corporate federal income tax rate from 34% to 21% and making other changes to U.S. corporate income tax laws. Generally accepted accounting principles ("GAAP") require that the impact of the provisions of the Tax Act be accounted for in the period of enactment. Accordingly, the estimated incremental income tax expense recorded by the Bancorp in the fourth quarter of 2017 related to the Tax Act was $0.6 million, representing $0.21 of basic and diluted earnings per common share. The additional expense was largely attributable to the reduction in carrying value of net deferred tax assets reflecting lower future tax benefits resulting from the lower corporate tax rate. The enactment of the tax legislation is expected to reflect positively in our future results due to the lower federal income tax rate.

 

For the year ended December 31, 2017, net loans grew by $6.4 million, or 2% when compared to December 31, 2016. At December 31, 2017, Bancorp had total assets of $389.5 million. Bancorp, the oldest independent commercial bank in Anne Arundel County, will pay its 102nd consecutive quarterly dividend on February 23, 2018.

 

"We continue to make significant progress and believe we remain on track to achieve growth and earnings expectations as our outlook continues to improve across our business lines," said John D. Long, President and Chief Executive Officer. “I am very proud to announce financial results for 2017 that highlight another successful year for the company. Growth in net interest income, credit costs significantly below our historical norms, and well controlled expenses led to a 79% rise in income before taxes for the year. Although fourth quarter and annual results were negatively impacted by the newly enacted tax legislation, a lower corporate tax rate in the future should provide many benefits to the company. Growing our lending business while increasing profitability continues to be a priority as we believe that our community bank delivery model offers an attractive option to borrowers. We also continue to make progress in expanding our lending platforms. Consumer indirect lending is a unique core competency for us that is based on the foundation of a consistent and disciplined underwriting process and an experienced management team. We remain deeply committed to serving the needs of the community through the development of new loan and deposit products designed to meet the financial needs in our community.”

 

 

 

 

Highlights for the Quarter and Year ended December 31, 2017

 

Bancorp continued its organic growth strategy in the fourth quarter of 2017 driven by favorable net loan growth and supported by an improving 0.51% cost of funds. 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 13.84% at December 31, 2017.

 

Specific highlights include the following:

 

·Return on average assets for the year ended December 31, 2017 was 0.23%, as compared to 0.28% for the year ended and December 31, 2016. Return on average equity for the year ended December 31, 2017 was 2.65%, as compared to 3.17% for the year ended December 31, 2016. Return on average assets for the quarter ended December 31, 2017 was -0.16%, as compared to 0.41% and 0.40% for the quarters ended September 30, 2017 and December 31, 2016, respectively. Return on average equity for the quarter ended December 31, 2017 was -1.75%, as compared to 4.74% and 4.55% for the quarter ended September 30, 2017 and December 31, 2016, respectively.

 

·Total assets were $389.5 million at December 31, 2017, as compared to $389.9 million at September 30, 2017 and $388.4 million at December 31, 2016.

 

·Total loans were $ 271.6 million at December 31, 2017, an increase of 0.04% from 271.5 million at September 30, 2017, and an increase of 2.45% from $265.1 million at December 31, 2016.

 

·Total deposits were $334.2 at December 31, 2017, an increase of 0.03% from 334.1 million at September 30, 2017, and an increase of 0.30% from $333.2 million at December 31, 2016. Non-interest bearing deposits were $104.0 million at December 31, 2017, a decrease of 0.57% from $104.6 million at September 30, 2017, and an increase of 3.90% from $100.1 million at December 31, 2016.

 

·Total borrowings were $20.0 million at December 31, 2017, unchanged from $20.0 million at September 30, 2017 and December 31, 2016.

 

·Stockholders’ equity was $34.0 million at December 31, 2017, a decrease of $0.6 million from $34.6 million at September 30, 2017, and an increase of $0.2 million from $33.8 million at December 31, 2016. The decrease in the fourth quarter was related to lower corporate earnings which included the increased tax expense related to the revaluation of our deferred tax assets and liabilities upon enactment of the Tax Act, and the increase in other comprehensive income associated with the available for sale bond portfolio and interest rates swaps.

 

·The book value per share of Bancorp’s common stock was $12.15 at December 31, 2017, compared to $12.38 per share at September 30, 2017, and $12.13 per share at December 31, 2016.

 

·At December 31, 2017, the Bank remained above all “well-capitalized” regulatory requirement levels. The Bank’s tier 1 risk-based capital ratio was approximately 12.83% at December 31, 2017, as compared to 13.63% at September 30, 2017 and December 31, 2016. 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.

 

·Net interest income for the year ended December 31, 2017 totaled $11.7 million, compared to $11.2 million for the year ended December 31, 2016. Net interest income for the three-month period ended December 31, 2017 totaled $3.0 million, compared to $2.9 million for the third quarter of 2017 and $2.8 million for the three-month period ended December 31, 2016.

 

 

 

 

·Net interest margin for the year ended December 31, 2017 was 3.12%, compared to 2.98% for the year ended December 31, 2016. Net interest margin for the quarter ended December 31, 2017 was 3.20%, compared to 3.03% for the same periods of 2016. Earning asset leverage was the primary driver in year over year results, as the yield on interest earning assets increased 0.12% from 3.57% to 3.69% for the three month periods ended December 31, 2016 and December 31, 2017, respectively. The cost of funds decreased 0.06% from 0.57% to 0.51% for the same periods.

 

·Nonperforming assets, which consist of nonaccrual loans, troubled debt restructurings, accruing loans past due 90 days or more, and other real estate owned, represented 0.94% of total assets at December 31, 2017, compared to 1.10% at September 30, 2017, and 1.06% at December 31, 2016.

 

·The provision for loan losses for the quarter and year ended December 31, 2017 was $0.09 million and $0.3 million, respectively, compared to $0.6 million and $0.9 million, respectively, for the same periods of 2016. The decrease for the year ended December 31, 2017 was primarily the result of improved credit quality of the overall loan portfolio. As a result, the allowance for loan losses was $2.6 million at December 31, 2017, representing 0.95% of total loans, compared to $2.6 million, or 0.97% of total loans, at September 30, 2017, and $2.5 million, or 0.94% of total loans, at December 31, 2016.

 

Review of Financial Results

 

For the three-month periods ended December 31, 2017 and 2016

 

Net loss for the three-month period ended December 31, 2017 was $0.15 million, compared to net income of $0.41 million and $0.40 million for the three-month periods ended September 30, 2017 and December 31, 2016, respectively.

 

Net interest income for the three-month period ended December 31, 2017 totaled $3.0 million compared to $2.9 million for the previous quarter and $2.8 million for the fourth quarter of 2016. The increase in interest income primarily resulted from interest-earning asset growth from expansion of the Bank’s loan portfolio.

 

The provision for loan losses for the three-month period ended December 31, 2017 totaled $0.09 million compared to $0.08 million for the previous quarter and $0.64 million for the same period of 2016 resulting from the improving credit quality of the overall loan portfolio combined with the resolution of nonperforming loans.

 

Noninterest income for the three-month period ended December 31, 2017 was $0.35 million compared to $0.37 million and $0.64 million for the three-month periods ended September 30, 2017 and December 31, 2016, respectively. The results for the fourth quarter 2016 includes a $0.22 million gain on redemption of BOLI policy.

 

For the three-month period ended December 31, 2017, noninterest expense was $2.70 million, compared to $2.71 million and $2.55 for the three-month periods ended September 30, 2017 and December 31, 2016, respectively. The primary contributor to the $0.01 million decrease when compared to the third quarter of 2017 was a decrease in salaries and employee benefit expense, occupancy and equipment expense, loan collection costs and telephone costs, partially offset by an increase in legal and professional fees. The primary contributor to the $0.15 million increase when compared to the fourth quarter of 2016 was an increase in salaries and employee benefit expense, occupancy and equipment expenses and legal and professional fees, partially offset by a decrease in data processing services and loan collection costs.

 

 

 

 

For the twelve-month periods ended December 31, 2017 and 2016

 

Net income for the year ended December 31, 2017 was $0.91 million compared to net income of $1.10 million for the year ended December 31, 2016.

 

Net interest income for the year ended December 31, 2017 totaled $11.7 million, compared to $11.2 million for the same period of 2016. The increase in interest income resulted primarily from interest-earning asset growth in the loan portfolio.

 

The provision for loan losses for the year ended December 31, 2017 was $0.3 million compared to $0.9 million for the year ended December 31, 2016, resulting from the improving credit quality of the overall loan portfolio combined with the resolution of nonperforming loans.

 

Noninterest income for the year ended December 31, 2017 was $1.3 million compared to $1.6 million recorded for the year ended December 31, 2016, which included a $0.22 million gain on redemption of BOLI policy

 

For the year ended December 31, 2017, noninterest expense was $10.8 million, compared to $10.9 million for the same period in 2016. The primary contributors to the $0.1 million decrease in noninterest expenses were a decrease in data processing services, loan collection costs, partially offset by an increase in occupancy and equipment expenses, legal and professional fees, advertising and marketing expenses, and telephone costs.

 

# # #

 

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 SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

(dollars in thousands)

 

   December 31,   September 30,   December 31, 
   2017   2017   2016 
   (unaudited)   (unaudited)   (audited) 
ASSETS               
Cash and due from banks  $2,610   $4,371   $3,195 
Interest bearing deposits with banks and federal funds sold   9,995    7,126    7,427 
Total Cash and Cash Equivalents   12,605    11,497    10,622 
                
Investment securities available for sale, at fair value   89,349    89,903    94,606 
Restricted equity securities, at cost   1,232    1,228    1,230 
                
Loans, net of deferred fees and costs   271,612    271,463    265,058 
Less:  Allowance for loan losses   (2,589)   (2,623)   (2,484)
Loans, net   269,023    268,840    262,574 
                
Real estate acquired through foreclosure   114    114    114 
Premises and equipment, net   3,371    3,451    3,638 
Bank owned life insurance   8,713    9,479    9,328 
Deferred tax assets, net   2,429    2,847    3,160 
Accrued interest receivable   1,133    1,140    1,135 
Accrued taxes receivable   465    638    674 
Prepaid expenses   433    512    546 
Other assets   583    235    814 
Total Assets  $389,450   $389,884   $388,441 
                
LIABILITIES               
Noninterest-bearing deposits  $104,017   $104,571   $100,099 
Interest-bearing deposits   230,221    229,534    233,147 
Total Deposits   334,238    334,105    333,246 
                
Short-term borrowings   20,000    20,000    20,000 
Defined pension liability   335    328    369 
Accrued expenses and other liabilities   835    815    1,012 
Total Liabilities   355,408    355,248    354,627 
                
STOCKHOLDERS' EQUITY               
Common stock, par value $1, authorized 15,000,000 shares,  issued and outstanding 2,801,149, 2,797,477, 2,786,855 and shares as of December 31, 2017, September 30, 2017, and December 31, 2016, respectively.   2,801    2,797    2,787 
Additional paid-in capital   10,267    10,233    10,130 
Retained earnings   21,605    21,935    21,707 
Accumulated other comprehensive loss   (631)   (329)   (810)
Total Stockholders' Equity   34,042    34,636    33,814 
Total Liabilities and Stockholders' Equity  $389,450   $389,884   $388,441 

 

 

 

 

GLEN BURNIE BANCORP AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(dollars in thousands, except per share amounts)

 

   Three Months Ended
December 31,
   Twelve Months Ended
December 31,
 
   2017   2016   2017   2016 
   (unaudited)   (unaudited)   (unaudited)   (audited) 
Interest income:                    
Loans, including fees  $2,918   $2,809   $11,421   $11,190 
Interest and dividends on securities   484    506    2,007    1,972 
Deposits with banks and federal funds sold   64    28    179    119 
Total Interest Income   3,466    3,343    13,607    13,281 
                     
Interest expense:                    
Deposits   316    348    1,300    1,481 
Short-term borrowings   143    -    452    - 
Long term borrowings   -    161    185    642 
Total Interest Expense   459    509    1,937    2,123 
                     
Net Interest Income   3,007    2,834    11,670    11,158 
                     
Provision for loan losses   93    635    336    868 
                     
Net interest income after provision for loan losses   2,914    2,199    11,334    10,290 
                     
Noninterest income:                    
Service charges on deposit accounts   73    76    281    323 
Other fees and commissions   228    120    802    641 
Gain on securities sold   -    2    1    2 
Income on life insurance   48    53    199    215 
Other income   -    387    2    399 
Total Noninterest Income   349    638    1,285    1,580 
                     
Noninterest expenses:                    
Salary and employee benefits   1,550    1,430    6,165    6,212 
Occupancy and equipment expenses   315    262    1,180    1,063 
Legal, accounting and other professional fees   247    162    895    757 
Data processing and item processing services   132    187    574    706 
FDIC insurance costs   63    56    251    288 
Advertising and marketing related expenses   52    29    162    78 
Loan collection costs   5    45    78    203 
Telephone costs   64    47    276    192 
Other expenses   269    330    1,214    1,353 
Total Noninterest Expenses   2,697    2,548    10,795    10,852 
                     
Income before income taxes   566    289    1,824    1,018 
Income tax expense   719    (106)   913    (83)
                     
Net (loss) income  $(153)  $395   $911   $1,101 
                     
Basic and diluted net (loss) income per common share  $(0.05)  $0.14   $0.33   $0.40 

 

 

 

 

GLEN BURNIE BANCORP AND SUBSIDIARIES

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY

For the year ended December, 2017 (unaudited) and 2016

(dollars in thousands)

 

               Accumulated     
               Other     
       Additional       Comprehensive   Total 
   Common   Paid-in   Retained   (Loss)   Stockholders' 
   Stock   Capital   Earnings   Income   Equity 
Balance, December 31, 2015  $2,773   $9,986   $21,718   $(301)  $34,176 
                          
Net income   -    -    1,101    -    1,101 
Cash dividends, $0.40 per share   -    -    (1,112)   -    (1,112)
Dividends reinvested under  dividend reinvestment plan   14    144    -    -    158 
Other comprehensive loss   -    -    -    (509)   (509)
Balance, December 31, 2016  $2,787   $10,130   $21,707   $(810)  $33,814 

 

               Accumulated     
               Other     
       Additional       Comprehensive   Total 
   Common   Paid-in   Retained   (Loss)   Stockholders' 
   Stock   Capital   Earnings   Income   Equity 
Balance, December 31, 2016  $2,787   $10,130   $21,707   $(810)  $33,814 
                          
Net income   -    -    911    -    911 
Cash dividends, $0.40 per share   -    -    (1,117)   -    (1,117)
Dividends reinvested under dividend reinvestment plan   14    137    -    -    151 
Reclassification adjustment for stranded income tax effects in accumulated other comprehensive income             104    (104)   - 
Other comprehensive income   -    -    -    283    283 
Balance, December 31, 2017  $2,801   $10,267   $21,605   $(631)  $34,042 

 

 

 

 

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 December 31, 2017:                              
(unaudited)                              
Common Equity Tier 1 Capital  $32,946    12.83%  $11,553    4.50%  $16,687    6.50%
Total Risk-Based Capital  $35,543    13.84%  $20,538    8.00%  $25,673    10.00%
Tier 1 Risk-Based Capital  $32,946    12.83%  $15,404    6.00%  $20,538    8.00%
Tier 1 Leverage  $32,928    8.43%  $15,617    4.00%  $19,521    5.00%
                               
As of September 30, 2017:                              
(unaudited)                              
Common Equity Tier 1 Capital  $34,064    13.63%  $11,250    4.50%  $16,251    6.50%
Total Risk-Based Capital  $36,699    14.68%  $20,001    8.00%  $25,001    10.00%
Tier 1 Risk-Based Capital  $34,064    13.63%  $15,001    6.00%  $20,001    8.00%
Tier 1 Leverage  $34,064    8.56%  $15,919    4.00%  $19,898    5.00%
                               
As of December 31, 2016:                              
(audited)                              
Common Equity Tier 1 Capital  $33,962    13.63%  $11,213    4.50%  $16,197    6.50%
Total Risk-Based Capital  $36,471    14.64%  $19,935    8.00%  $24,918    10.00%
Tier 1 Risk-Based Capital  $33,962    13.63%  $14,951    6.00%  $19,935    8.00%
Tier 1 Leverage  $33,962    8.68%  $15,659    4.00%  $19,574    5.00%

 

 

 

 

GLEN BURNIE BANCORP AND SUBSIDIARIES

SELECTED FINANCIAL DATA

(dollars in thousands, except per share amounts)

 

   Three Months Ended   Year Ended 
   December 31,   September 30,   December 31,   December 31,   December 31, 
   2017   2017   2016   2017   2016 
   (unaudited)   (unaudited)   (unaudited)   (unaudited)   (audited) 
                     
Financial Data:                         
Assets  $389,450   $389,884   $388,441   $389,450   $388,441 
Investment securities   89,349    89,903    94,607    89,349    94,607 
Loans, (net of deferred fees and costs)   271,612    271,463    265,057    271,612    265,057 
Allowance for loan losses   2,589    2,623    2,484    2,589    2,484 
Deposits   334,238    334,105    333,247    334,238    333,247 
Borrowings   20,000    20,000    20,000    20,000    20,000 
Stockholders' equity   34,042    34,636    33,814    34,042    33,814 
                          
Net income   (153)   410    395    911    1,101 
                          
Average Balances:                         
Assets  $391,254   $393,936   $391,240   $392,363   $393,036 
Investment securities   90,084    90,028    97,991    91,634    99,281 
Loans, (net of deferred fees and costs)   270,402    270,973    260,986    269,600    258,585 
Deposits   335,312    334,740    335,696    335,805    337,422 
Borrowings   20,501    23,667    20,000    21,458    20,000 
Stockholders' equity   34,638    34,643    34,412    34,322    34,737 
                          
Performance Ratios:                         
Annualized return on average assets   -0.16%   0.41%   0.40%   0.23%   0.28%
Annualized return on average equity   -1.75%   4.74%   4.55%   2.65%   3.17%
Net Interest Margin   3.20%   3.10%   3.03%   3.12%   2.98%
Dividend payout ratio   -183%   68%   70%   123%   101%
Book value per share  $12.15   $12.38   $12.13   $12.15   $12.13 
Basic and diluted net income per share   (0.05)   0.15    0.14    0.33    0.40 
Cash dividends declared per share   0.10    0.10    0.10    0.40    0.40 
Basic and diluted weighted average shares outstanding   2,799,832    2,797,396    2,786,713    2,794,381    2,780,477 
                          
Asset Quality Ratios:                         
Allowance for loan losses to loans   0.95%   0.97%   0.94%   0.95%   0.94%
Nonperforming loans to avg. loans   1.31%   1.57%   0.84%   1.32%   0.84%
Allowance for Credit Losses to Non-Accrual and 90+ Past Due Loans   77.7%   67.4%   127.1%   77.7%   127.1%
Net charge-offs annualize to Avg. loans   0.19%   0.08%   0.71%   0.09%   0.59%
                          
Capital Ratios:                         
Common Equity Tier 1 Capital   12.83%   13.63%   13.63%   12.83%   13.63%
Tier 1 Risk-based Capital Ratio   12.83%   13.63%   13.63%   12.83%   13.63%
Leverage Ratio   8.43%   8.56%   8.68%   8.43%   8.68%
Total Risk-Based Capital Ratio   13.84%   14.68%   14.64%   13.84%   14.64%

 

 

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