GLEN BURNIE BANCORP
For the period ended Jul 29, 2025. Filed Jul 29, 2025.
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Jul 29, 2025 · Filed Jul 29, 2025
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Contents
EX-99.1 · SELECTED FINANCIAL DATA
SELECTED FINANCIAL DATA
(dollars in thousands, except per share amounts)
| Three Months Ended · Year Ended | ||||
|---|---|---|---|---|
| June 30 | March 31, | June 30 | December 31, | |
| 2025 | 2025 | 2024 | 2024 | |
| (unaudited) | (unaudited) | (unaudited) | (unaudited) | |
| Financial Data | ||||
| Assets | $350,721 | $357,973 | $355,716 | $358,956 |
| Investment securities | 104,566 | 106,623 | 117,180 | 107,949 |
| Loans | 213,362 | 207,393 | 201,500 | 205,219 |
| Allowance for loan losses | 2,587 | 2,689 | 2,625 | 2,839 |
| Deposits | 317,316 | 317,257 | 305,866 | 309,189 |
| Borrowings | 13,000 | 20,000 | 30,000 | 30,000 |
| Stockholders' equity | 18,933 | 19,181 | 17,471 | 17,817 |
| Net income (loss) | (212) | 153 | (204) | (112) |
| Average Balances | ||||
| Assets | $356,587 | $353,308 | $366,071 | $363,994 |
| Investment securities | 130,343 | 132,805 | 148,690 | 148,037 |
| Loans | 208,951 | 205,868 | 186,650 | 192,646 |
| Deposits | 317,647 | 312,030 | 307,427 | 309,838 |
| Borrowings | 17,824 | 20,215 | 38,891 | 32,721 |
| Stockholders' equity | 19,780 | 19,258 | 17,369 | 19,169 |
| Performance Ratios | ||||
| Annualized return on average assets | -0.24% | 0.18% | -0.22% | -0.03% |
| Annualized return on average equity | -4.30% | 3.22% | -4.72% | -0.58% |
| Net interest margin - FTE | 3.13% | 3.00% | 3.10% | 3.06% |
| Dividend payout ratio | 0% | 0% | N/M | N/M |
| Book value per share | $6.53 | $6.61 | $6.04 | $6.14 |
| Basic and diluted net income (loss) per share | (0.07) | 0.05 | (0.07) | (0.04) |
| Cash dividends declared per share | 0.00 | 0.00 | 0.10 | 0.30 |
| Basic and diluted weighted average shares outstanding | 2,900,681 | 2,900,681 | 2,891,203 | 2,893,871 |
| Asset Quality Ratios | ||||
| Allowance for loan losses to loans | 1.21% | 1.30% | 1.30% | 1.38% |
| Nonperforming loans to avg. loans | 0.51% | 0.55% | 0.17% | 0.19% |
| Allowance for loan losses to nonaccrual & 90+ past due loans | 242.8% | 236.9% | 827.1% | 789.1% |
| Net charge-offs (recoveries) annualize to avg. loans | 0.09% | 0.01% | -0.14% | 0.08% |
| Capital Ratios | ||||
| Common Equity Tier 1 Capital | 14.91% | 15.42% | 15.59% | 15.15% |
| Tier 1 Risk-based Capital Ratio | 14.91% | 15.42% | 15.59% | 15.15% |
| Leverage Ratio | 9.59% | 9.71% | 10.10% | 9.97% |
| Total Risk-Based Capital Ratio | 16.06% | 16.60% | 16.84% | 16.40% |
| Common Equity Tier 1 Capital | $36,449 | $36,639 | $36,896 | $36,481 |
| Tier 1 Regulatory Capital | 36,449 | 36,639 | 36,896 | 36,481 |
| Total Regulatory Capital | 39,281 | 39,438 | 39,857 | 39,496 |
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