SNL Work Book

Loan and Lease Portfolio (As-reported)
As Of Date
Source Document
Currency Code
Real Estate
Construction and land
Amount (000)
Percent (%)
Residential - first lien
Amount (000)
Percent (%)
Residential - junior lien
Amount (000)
Percent (%)
Total residential real estate
Amount (000)
Percent (%)
Commercial - owner occupied
Amount (000)
Percent (%)
Commercial - non-owner occupied
Amount (000)
Percent (%)
Total commercial real estate
Amount (000)
Percent (%)
Total real estate loans
Amount (000)
Percent (%)
Commercial loans and leases
Amount (000)
Percent (%)
Consumer loans
Amount (000)
Percent (%)
Total loans and leases
Amount (000)
Percent (%)
2012 Y
12/31/2012
12/31/2012 10-K
USD
2011 Y
12/31/2011
12/31/2012 10-K
USD
37,963
11.80
39,268
14.20
29,826
9.30
22,087
8.00
7,983
2.50
9,242
3.30
37,809
11.70
31,329
11.30
61,119
19.00
46,588
16.80
96,223
29.90
76,880
27.80
157,342
48.80
123,468
44.60
233,114
72.30
194,065
70.20
87,844
27.30
81,243
29.40
1,260
0.40
1,223
0.40
322,218
100.00
276,531
100.00
Data shown on this page is extracted directly from the companys documents. SNL makes every effort to line up fields, captions
2010 Y
12/31/2010
12/31/2012 10-K
USD
2009 Y
12/31/2009
12/31/2012 10-K
USD
2008 Y
12/31/2008
12/31/2012 10-K
USD
30,604
11.90
33,437
13.20
32,230
15.80
22,309
8.70
20,202
8.00
18,986
9.30
9,889
3.90
10,401
4.10
9,261
4.50
32,198
12.60
30,603
12.10
28,247
13.80
46,947
18.30
43,397
17.20
35,366
17.30
58,438
22.80
51,193
20.30
28,758
14.10
105,385
41.10
94,590
37.40
64,124
31.40
168,187
65.60
158,630
62.80
124,601
61.10
86,851
33.90
92,816
36.70
77,436
37.90
1,269
0.50
1,299
0.50
2,053
1.00
256,307
100.00
252,745
100.00
204,090
100.00
every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may repo
variations in how the company may report these items in different documents. In certain instances the variation in the companys presentatio
riation in the companys presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite pos
and/or disordered items. Despite possible issues with the presentation, SNL, as always, stands by its commitment to the quality of the data.
mmitment to the quality of the data.
Deposits (As-reported)
As Of Date
Source Document
Currency Code
Noninterest-bearing demand
Amount (000)
% of Total (%)
Interest-bearing checking
Amount (000)
% of Total (%)
Money market accounts
Amount (000)
% of Total (%)
Savings
Amount (000)
% of Total (%)
Certificates of deposit $100,000 and over
Amount (000)
% of Total (%)
Certificates of deposit under $100,000
Amount (000)
% of Total (%)
Total deposits
Amount (000)
% of Total (%)
2012 Y
12/31/2012
12/31/2012 10-K
USD
2011 Y
12/31/2011
12/31/2012 10-K
USD
95,875
30
62,044
24
26,209
8
17,687
7
70,856
23
61,267
23
11,107
4
10,644
4
77,759
25
79,718
30
33,052
10
31,282
12
314,858
100
262,642
100
2010 Y
12/31/2010
12/31/2012 10-K
USD
48,679
20
17,152
7
64,637
27
13,608
6
68,118
29
27,120
11
239,314
100
Consolidated Balance Sheets (As-reported)

As Of Date
Source Document
Currency Code
(in thousands)
ASSETS
Cash and due from banks
Federal funds sold
Total cash and cash equivalents
Securities available-for-sale
Nonmarketable equity securities
Loans held for sale
Loans and leases, net of unearned income
Allowance for credit losses
Net loans Net loans and leases
Bank premises and equipment, net
Other real estate owned
Deferred income taxes
Interest receivable and other assets
Total assets
LIABILITIES
Noninterest-bearing deposits
Interest-bearing deposits
Total deposits
Short-term borrowings
Long-term borrowings
Accrued expenses and other liabilities
Total liabilities
SHAREHOLDERS' EQUITY
Preferred stock
Common stock
Capital surplus
Accumulated deficit
Accumulated other comprehensive income
Total shareholders' equity
Total liabilities and shareholders'equity
2012 Y
12/31/2012
12/31/2012 10-K
USD
2011 Y
12/31/2011
12/31/2012 10-K
USD
25,739
10,622
36,361
26,875
1,475
1,639
322,218
(2,764)
319,454
9,573
2,903
1,160
2,235
17,926
279
18,205
13,376
1,313
646
276,531
(3,433)
273,098
9,484
1,885
1,679
3,396
401,675
323,082
95,875
218,983
314,858
26,987
12,000
1,109
354,954
62,044
200,598
262,642
12,984
10,000
826
286,452
12,562
40
37,484
(3,386)
21
46,721
401,675
12,562
26
28,413
(4,391)
20
36,630
323,082
38,987
30,986
Current Assets Total

Current Liab
22,984
101,072
656,703
0.153908236
51,099
538,268
0.094932264
Common Size
2012
6.4%
2.6%
9.1%
6.7%
0.4%
0.4%
80.2%
-0.7%
79.5%
2.4%
0.7%
0.3%
0.6%
Average
CAGR
2011
5.5%
0.1%
5.6%
4.1%
0.4%
0.2%
85.6%
-1.1%
84.5%
2.9%
0.6%
0.5%
1.1%
6.0%
1.4%
7.3%
5.4%
0.4%
0.3%
82.9%
-0.9%
82.0%
2.7%
0.7%
0.4%
0.8%
43.6%
3707.2%
99.7%
100.9%
12.3%
153.7%
16.5%
-19.5%
17.0%
0.9%
54.0%
-30.9%
-34.2%
100.0%
100.0%
100.0%
24.3%
23.9%
54.5%
78.4%
6.7%
3.0%
0.3%
88.4%
19.2%
62.1%
81.3%
4.0%
3.1%
0.3%
88.7%
21.5%
58.3%
79.8%
5.4%
3.0%
0.3%
88.5%
54.5%
9.2%
19.9%
107.8%
20.0%
34.3%
23.9%
3.1%
0.0%
9.3%
-0.8%
0.0%
11.6%
100.0%
3.9%
0.0%
8.8%
-1.4%
0.0%
11.3%
100.0%
3.5%
0.0%
9.1%
-1.1%
0.0%
11.5%
100.0%
0.0%
53.8%
31.9%
-22.9%
5.0%
27.5%
24.3%
2013
2014
2015
2016
12/31/2013
12/31/2014
12/31/2015
12/31/2016
Forecast
Forecast
Forecast
Forecast
USD
USD
USD
USD
1
2
3
4
29,854.21
6,818.58
36,672.79
27,043.92
1,931.65
1,518.11
414,016.84
(4,371.37)
409,645.47
13,280.56
3,261.41
2,018.70
4,013.94
37,116.55
8,477.27
45,593.82
33,622.64
2,401.55
1,887.41
514,730.67
(5,434.75)
509,295.92
16,511.19
4,054.78
2,509.77
4,990.37
46,145.53
10,539.45
56,684.98
41,801.68
2,985.75
2,346.54
639,944.17
(6,756.81)
633,187.35
20,527.70
5,041.15
3,120.30
6,204.32
57,370.91
13,103.28
70,474.19
51,970.37
3,712.06
2,917.36
795,617.13
(8,400.48)
787,216.65
25,521.27
6,267.46
3,879.35
7,713.59
499,386.55
620,867.44
107,549.37
291,158.19
398,707.56
26,810.59
15,188.04
1,327.76
442,033.95
133,711.85
361,985.40
495,697.25
33,332.54
18,882.69
1,650.75
549,563.23
17,517.43
44.96
45,260.11
(5,498.42)
28.51
57,352.60
499,386.55
21,778.73
55.90
56,270.10
(6,835.96)
35.45
71,304.21
620,867.44
771,899.79
166,238.63
450,042.04
616,280.67
41,441.02
23,476.09
2,052.31
683,250.10
27,076.63
69.49
69,958.38
(8,498.88)
44.07
88,649.69
771,899.79
959,672.30
206,677.87
559,519.37
766,197.24
51,521.97
29,186.89
2,551.56
849,457.67
33,663.29
86.40
86,976.47
(10,566.32)
54.79
110,214.63
959,672.30
102,321
824,226
0.124142159
127,212
1,024,727
0.124142159
158,157
1,274,002
0.124142159
196,631
1,583,916
0.124142159
2017
12/31/2017
Forecast
USD
5
71,326.97
16,290.79
87,617.75
64,612.70
4,615.06
3,627.04
989,159.13
(10,443.98)
978,715.15
31,729.59
7,792.08
4,823.04
9,590.00
1,193,122.40
256,954.38
695,628.18
952,582.56
64,055.22
36,286.91
3,172.25
1,056,096.94
41,852.23
107.42
108,134.38
(13,136.68)
68.12
137,025.47
1,193,122.40
the variation in the companys presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despi
244,463
1,969,220
0.124142159
d/or disordered items. Despite possible issues with the presentation, SNL, as always, stands by its commitment to the quality of the data.
mitment to the quality of the data.
Consolidated Statements of Operations (As-reported)

As Of Date
Source Document
Currency Code
(in thousands)
INTEREST INCOME
Interest and fees on loans and leases
Interest and dividends on securities
Other interest income
Total interest income

INTEREST EXPENSE
Deposits
Short-term borrowings
Long-term borrowings
Total interest expense
NET INTEREST INCOME
Provision for credit losses
Net interest income after provision for credit losses
NONINTEREST INCOME
Service charges on deposit accounts
Gains on the sale of loans
(Loss) gain on the sale of other real estate owned
Other operating income
Total noninterest income
NONINTEREST EXPENSE
Compensation and benefits
Occupancy and equipment
Marketing and business development
Professional fees
Data processing fees
FDIC Assessment
Provision for OREO
Other operating expense
Total noninterest expense
INCOME BEFORE INCOME TAXES
Income tax expense
NET INCOME
Preferred stock dividends
Net income available to common shareholders
NET INCOME PER COMMON SHARE AVAILABLE
Basic (actual)
Diluted (actual)
Consolidated Statements of Comprehensive Income
Net Income
Other comprehensive income
Investments available-for-sale
Unrealized holding (losses) gains
Related income tax benefit (expense)
Comprehensive income
2012 Y
12/31/2012
12/31/2012 10-K
USD
2011 Y
12/31/2011
12/31/2012 10-K
USD
15,380
102
55
14,516
102
22
15,537
14,640
1,778
163
64
2,005
13,532
718
12,814
1,748
168
101
2,017
12,623
1,164
11,459
322
122
(131)
455
768
298
28
459
352
1,137
6,075
1,509
606
535
451
310
48
1,289
10,823
2,759
1,138
1,621
616
1,005
5,020
1,436
494
401
353
332
777
1,335
10,148
2,448
1,063
1,385
451
934
0.31
0.31
0.35
0.35
1,621
1,385
2
(1)
1,622
(16)
6
1,375
Dep
Provision for other real estate owned
Stock-based compensation
Net accretion of investment securities
Loans originated for sale
Proceeds from loans originated for sale
Gains on sales of loans
Loss (gain) on sales of other real estate owned, net
Tax Rate
523
48
105
42
(10,777)
9,907
(122)
131
455
777
128
181
(3,298)
3,744
(28)
(459)
0.412468286
0.434232026
2010 Y
12/31/2010
12/31/2012 10-K
USD
14,103
124
28
2012
99.0%
0.7%
0.4%
Common Size
2011
99.2%
0.7%
0.2%
14,255
100.0%
100.0%
100.0%
100.0%
2,572
215
120
2,907
11,348
1,633
9,715
11.4%
1.0%
0.4%
12.9%
87.1%
4.6%
82.5%
11.9%
1.1%
0.7%
13.8%
86.2%
8.0%
78.3%
18.0%
1.5%
0.8%
20.4%
79.6%
11.5%
68.2%
13.8%
1.2%
0.6%
15.7%
84.3%
8.0%
76.3%
390
53
0
298
741
2.1%
0.8%
-0.8%
2.9%
4.9%
2.0%
0.2%
3.1%
2.4%
7.8%
2.7%
0.4%
0.0%
2.1%
5.2%
2.3%
0.4%
0.8%
2.5%
6.0%
4,593
1,520
363
279
354
476
0
1,123
8,707
1,749
816
933
326
607
39.1%
9.7%
3.9%
3.4%
2.9%
2.0%
0.3%
8.3%
69.7%
17.8%
7.3%
10.4%
4.0%
6.5%
34.3%
9.8%
3.4%
2.7%
2.4%
2.3%
5.3%
9.1%
69.3%
16.7%
7.3%
9.5%
3.1%
6.4%
32.2%
10.7%
2.5%
2.0%
2.5%
3.3%
0.0%
7.9%
61.1%
12.3%
5.7%
6.5%
2.3%
4.3%
35.2%
10.1%
3.3%
2.7%
2.6%
2.5%
1.9%
8.4%
66.7%
15.6%
6.8%
8.8%
3.1%
5.7%
0.23
0.23
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
933
10.4%
9.5%
6.5%
8.8%
(49)
19
903
0.0%
0.0%
10.4%
-0.1%
0.0%
9.4%
-0.3%
0.1%
6.3%
-0.1%
0.1%
8.7%
2010 Average
98.9%
0.9%
0.2%
99.0%
0.7%
0.2%
356
0
187
173
(7,751)
6,726
(53)
0
0.466552316 0.4378
3.4%
0.3%
0.7%
0.3%
-69.4%
63.8%
-0.8%
0.8%
3.1%
5.3%
0.9%
1.2%
-22.5%
25.6%
-0.2%
-3.1%
2.5%
0.0%
1.3%
1.2%
-54.4%
47.2%
-0.4%
0.0%
3.0%
1.9%
1.0%
0.9%
-48.8%
45.5%
-0.4%
-0.8%
2013
2014
2015
2016
12/31/2013
12/31/2014 12/31/2015 12/31/2016
Forecast
Forecast
Forecast
Forecast
USD
USD
USD
USD
CAGR
2.9%
-6.3%
25.2%
15,833.63
118.49
37.35
16,769.25
125.49
39.55
18,277.37
136.77
43.11
19,921.11
149.07
46.99
2.9%
15,989.46
16,934.29
18,457.25
20,703.02
-11.6%
-8.8%
-18.9%
-11.6%
6.0%
-24.0%
9.7%
2,207.95
197.46
103.59
2,509.00
13,480.46
1,280.63
12,199.82
2,338.42
209.13
109.71
2,657.26
14,277.03
1,356.31
12,920.72
2,548.72
227.94
119.58
2,896.24
15,561.01
1,478.28
14,082.73
2,858.83
255.67
134.13
3,248.64
17,454.38
1,658.15
15,796.23
-6.2%
32.0%
-128.5%
15.2%
1.2%
364.77
71.86
122.16
395.65
954.44
386.32
76.11
129.38
419.03
1,010.84
421.06
82.95
141.02
456.72
1,101.75
472.30
93.04
158.18
512.29
1,235.81
9.8%
-0.2%
18.6%
24.2%
8.4%
-13.3%
-93.8%
4.7%
7.5%
16.4%
11.7%
20.2%
23.6%
18.3%
5,628.83
1,608.75
523.45
433.83
415.58
405.18
299.34
1,348.08
10,662.67
2,491.60
1,082.47
1,409.13
497.39
911.74
5,961.44
1,703.81
554.38
459.47
440.14
429.12
317.03
1,427.74
11,292.74
2,638.83
1,146.43
1,492.40
526.78
965.61
6,497.57
1,857.04
604.24
500.79
479.72
467.72
345.54
1,556.14
12,308.33
2,876.15
1,249.54
1,626.61
574.16
1,052.46
7,288.16
2,083.00
677.76
561.72
538.09
524.63
387.58
1,745.48
13,805.93
3,226.10
1,401.57
1,824.53
644.02
1,180.51
10.5%
10.5%
0.32
0.32
0.34
0.34
0.37
0.37
0.41
0.41
20.2%
1,409.13
1,492.40
1,626.61
1,824.53
(23.46)
8.95
1,394.62
(24.85)
9.47
1,477.03
(27.08)
10.33
1,609.86
(30.38)
11.58
1,805.74
-134.4%
-137.5%
21.6%
ns in how the company may report these items in different documents. In certain instances the variation in the companys presentation over ti
478.16
299.34
152.54
144.99
(7,795.64)
7,276.33
(71.86)
(122.16)
506.42
317.03
161.55
153.55
(8,256.30)
7,706.30
(76.11)
(129.38)
551.96
345.54
176.08
167.36
(8,998.81)
8,399.35
(82.95)
(141.02)
619.12
387.58
197.50
187.73
########
9,421.33
(93.04)
(158.18)
2017
12/31/2017
Forecast
USD
21,712.69
162.48
51.21
23,898.29
3,300.06
295.14
154.83
3,750.03
20,148.26
1,914.07
18,234.20
545.19
107.41
182.59
591.35
1,426.54
8,413.00
2,404.48
782.36
648.41
621.14
605.60
447.40
2,014.87
15,936.72
3,724.02
1,617.89
2,106.13
743.42
1,362.71
0.48
0.48
2,106.13
(35.06)
13.37
2,084.43
n the companys presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible iss
714.67
447.40
227.99
216.70
########
10,875.41
(107.41)
(182.59)
ordered items. Despite possible issues with the presentation, SNL, as always, stands by its commitment to the quality of the data.
t to the quality of the data.
Consolidated Statements of Cash Flows (As-reported)

As Of Date
Source Document
Currency Code
(in thousands)
2012 Y
12/31/2012
12/31/2012 10-K
USD
CASH FLOWS FROM OPERATING ACTIVITIES

Net income
1,621
Adjustments to reconcile net income to net cash provided by operating activities
Provision for credit losses
718
Deferred income taxes
518
Provision for other real estate owned
48
Depreciation
523
Stock-based compensation
105
Net accretion of investment securities
42
Loans originated for sale
(10,777)
Proceeds from loans originated for sale
9,907
Gains on sales of loans
(122)
Loss (gain) on sales of other real estate owned, net
131
Decrease in interest receivable
(93)
Decrease in interest payable
(10)
Decrease (increase) in other assets
1,092
Increase in other liabilities
292
Net cash provided by operating activities
3,995
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of investment securities available-for-sale
(47,018)
Proceeds from maturities of investment securities available-for-sale
33,479
Net increase in loans and leases outstanding
(48,799)
Proceeds from the sale of other real estate owned
527
Purchase of premises and equipment
(612)
Net cash used in investing activities
(62,423)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in noninterest-bearing deposits
33,831
Net increase in interest-bearing deposits
18,385
Net increase (decrease) in short-term borrowings
14,004
Proceeds from issuance of long-term debt
2,000
Repayment of long-term debt
0
Net proceeds from issuance of common stock, net of cost
8,980
Net proceeds from issuance of preferred stock, net of cost
0
Cash dividends on preferred stock
(616)
Net cash provided by financing activities
76,584
Net increase in cash and cash equivalents
18,156
Cash and cash equivalents at beginning of period
18,205
Cash and cash equivalents at end of period
36,361
SUPPLEMENTAL INFORMATION
Cash payments for interest
2,015
Cash payments for income taxes
490
Transferred from loans to other real estate owned
1,598
2011 Y
12/31/2011
12/31/2012 10-K
USD
1,385
1,164
991
777
455
128
181
(3,298)
3,744
(28)
(459)
(111)
(27)
52
260
5,214
(39,185)
40,652
(23,283)
2,626
(700)
(19,890)
13,365
9,963
(12,040)
4,000
0
0
6,290
(451)
21,127
6,451
11,754
18,205
1,774
330
1,805
2010 Y
12/31/2010
12/31/2012 10-K
USD
2013
2014
2015
12/31/2013
12/31/2014
12/31/2015
Forecast
Forecast
Forecast
USD
USD
USD
933
1,409.13
1,492.40
1,626.61
1,633
816
0
356
187
173
(7,751)
6,726
(53)
0
(128)
(30)
(283)
41
2,620
1,280.63
2,018.70
299.34
478.16
152.54
1,356.31
2,509.77
317.03
506.42
161.55
1,478.28
3,120.30
345.54
551.96
176.08
11,674.37
72,175.19
(176.41)
71.86
26,162.48
70,827.21
6,521.95
76.11
32,526.78
88,056.65
8,108.48
82.95
(53,221)
53,379
(7,350)
0
(7,213)
(14,405)
9,681
890
4,566
0
(2,000)
0
0
(326)
12,811
1,026
10,728
11,754
2,937
0
2,147
2016
2017
12/31/2016
12/31/2017
Forecast
Forecast
USD
USD
1,824.53
2,106.13
1,658.15
3,879.35
387.58
619.12
197.50
1,914.07
4,823.04
447.40
714.67
227.99
40,439.25
109,477.33
10,080.95
93.04
50,276.51
136,108.81
12,533.25
107.41
Fair Value (As-reported)

As Of Date
Source Document
Currency Code
(in thousands)
2012 Y
12/31/2012
12/31/2012 10-K
USD
Financial assets and liabilities fair value on a recurring basis

Investment securities
U.S. Federal agencies
Carrying Value (Fair Value)
Quoted Price in Active Markets for Identical Assets (Level 1)
Significant Other Observable Inputs (Level 2)
Significant Unobservable Inputs (Level 3)
Mortgage-backed securities
Loans held for sale
Financial assets and liabilities fair value on a nonrecurring basis
Other real estate owned
Impaired loans
Construction and land
Residential - first lien
Residential - junior lien
Commercial - owner occupied
Commercial - non-owner occupied
2011 Y
12/31/2011
12/31/2012 10-K
USD
26,540
0
26,540
0
12,773
0
12,773
0
335
0
335
0
603
0
603
0
1,639
0
1,639
0
646
0
646
0
2,903
0
0
2,903
1,885
0
0
1,885
411
0
0
411
0
0
0
0
304
0
0
304
543
0
0
543
0
0
0
0
0
0
0
0
0
0
0
0
1,988
0
0
1,988
2,985
2,783

Commercial loans and leases
Consumer
0
0
2,985
0
0
2,783
1,311
0
0
1,311
2,337
0
0
2,337
0
0
0
0
9
0
0
9
Valuation
As Of Date
Source Document
Currency Code
(in thousands)
Free Cash Flow Analysis
Net income
Add back: depreciation & amortization
Add back: after tax long term interest
Cash (increase)/decrease
Fixed assets (increase)/decrease
Free cash flow
Yahoo Finance Reported Beta http://finance.yahoo.com/q?s=HBMD

Fed Res Reported 1 year Rate http://www.treasury.govt.nz/publications/guidance/reporting/accounting/discountrates
Market Risk Premium http://www.duffandphelps.com/SiteCollectionDocuments/Reports/(EXCERPT)%202013%20Duff%20Phel
CAPM (Cost of Equity)
Cost of Debt
P/E Ratio (Yahoo Finance)
EPS (Yahoo Finance)
Price per share (Yahoo Finance)
Shares Outstanding (Yahoo Finance)
WACC (as of 2102)
Market Value of Equity
Value of Debt
Total
Industry average Growth Rate estimate http://www.duffandphelps.com/SiteCollectionDocuments/Reports/(EXCERPT)%202013
Free Cash Flow

Terminal
Total
Value of Bank
Debt
Equity value
Equity value, per share
Recommendation
2010
2011
2012
12/31/2010
12/31/2011
12/31/2012
12/31/2012 10-K 12/31/2012 10-K 12/31/2012 10-K
USD
USD
USD
2013
12/31/2013
Forecast
USD
2014
12/31/2014
Forecast
USD
2015
12/31/2015
Forecast
USD
1,409.13
478.16
1,410.69
(311.79)
(3,707.56)
(721.37)
1,492.40
506.42
1,494.04
(8,921.03)
(3,230.63)
(8,658.80)
1,626.61
551.96
1,628.41
(11,091.16)
(4,016.51)
(11,300.69)
0.5
0.0284
0.045
5.09%
6.47%
23.88
0.36
8.55
4,040,000.00
Value
Weight
34,542,000.00
354,954.00
34,896,954.00
Cost
0.9898
0.0102
1.0000
Tax
0.0509
0.0647
0.0000
0.5622
Tax shield Weighted cost

0.0000
0.0504
0.0364
0.0004
0.0508
5.45%
2013
(721.37)
2014
(8,658.80)
2015
(11,300.69)
2016
(14,512.58)
(721.37)
(8,658.80)
(11,300.69)
(14,512.58)
$4,102,766.81
$4,040,000.00
$62,766.81
$15.54
Buy
2017
(18,422.63)
5,183,661.68
5,165,239.05
2016
12/31/2016
Forecast
USD
2017
12/31/2017
Forecast
USD
1,824.53
619.12
1,826.54
(13,789.20)
(4,993.57)
(14,512.58)
2,106.13
714.67
2,108.45
(17,143.57)
(6,208.31)
(18,422.63)
Ratios
As Of Date
Source Document
Currency Code
(in thousands)
2011
2012
2013
2014
2015
2016
2017
12/31/201112/31/201212/31/201312/31/201412/31/201512/31/201612/31/2017
12/31/2012 12/31/2012
10-K
10-K Forecast Forecast Forecast Forecast Forecast
USD
USD
USD
USD
USD
USD
USD
Current Ratio
Quick Ratio
0.094932 0.153908 0.124142 0.124142 0.124142 0.124142 0.124142

0.039194 0.033303
0.04
0.04
0.04
0.04
0.04
Debt to equity
Coverage Ratio
LT Debt to Equity
Liability to assets
loan to deposits
7.820147
1.213684
0.273
0.886623
1.039811
ROA
ROE
0.004287 0.004036 0.002822 0.002404 0.002107 0.001901 0.001765

0.037811 0.034695 0.02457 0.02093 0.018349 0.016554 0.01537
Profit Margin
0.094604 0.104332 0.088129 0.088129 0.088129 0.088129 0.088129
7.597312
1.37606
0.256844
0.883685
1.014597
7.707304
0.993063
0.264819
0.885154
1.027433
7.707304
0.993063
0.264819
0.885154
1.027433
7.707304
0.993063
0.264819
0.885154
1.027433
7.707304
0.993063
0.264819
0.885154
1.027433
7.707304
0.993063
0.264819
0.885154
1.027433

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Loan and Lease Portfolio (As-reported)

mmitment to the quality of the data.

mmitment to the quality of the data.

Consolidated Balance Sheets (As-reported)

Current Assets Total

mitment to the quality of the data.

Consolidated Statements of Operations (As-reported)

Total interest income

t to the quality of the data.

Consolidated Statements of Cash Flows (As-reported)

CASH FLOWS FROM OPERATING ACTIVITIES

mmitment to the quality of the data.

Fair Value (As-reported)

Financial assets and liabilities fair value on a recurring basis

Quoted Price in Active Markets for Identical Assets (Level 1)

mmitment to the quality of the data.

Yahoo Finance Reported Beta http://finance.yahoo.com/q?s=HBMD

Industry average Growth Rate estimate http://www.duffandphelps.com/SiteCollectionDocuments/Reports/(EXCERPT)%202013

Free Cash Flow

Tax shield Weighted cost

0.094932 0.153908 0.124142 0.124142 0.124142 0.124142 0.124142

0.004287 0.004036 0.002822 0.002404 0.002107 0.001901 0.001765

0.094604 0.104332 0.088129 0.088129 0.088129 0.088129 0.088129

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