Annapolis, MD · Cert 12172
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.95% | 2.01% | 1.69% | 1.64% | 1.60% | 1.70% | 1.52% | 2.06% | +42 bps | |
| Return on Equity | 22.13% | 23.51% | 19.53% | 18.86% | 18.38% | 19.41% | 17.43% | 22.79% | +393 bps | |
| Net Interest Margin | 4.33% | 4.40% | 4.15% | 4.11% | 4.04% | 4.10% | 4.06% | 4.28% | +17 bps | |
| Efficiency Ratio | 41.80% | 41.11% | 49.10% | 47.59% | 48.60% | 46.42% | 50.27% | 40.31% | -728 bps | |
| Non-Interest Burden | 1.43% | 1.45% | 1.73% | 1.60% | 1.61% | 1.52% | 1.66% | 1.28% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.72% | 4.31% | 4.83% | 1.32% | 1.00% | 3.34% | 5.15% | 2.37% | +105 bps | |
| Loan Growth (YoY) | 17.58% | 22.78% | 18.72% | 15.10% | 10.68% | 2.88% | 0.99% | 0.18% | -1,492 bps | |
| Deposit Growth (YoY) | -1.23% | 2.81% | 3.27% | -1.12% | 4.55% | 8.54% | 5.20% | 4.78% | +590 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.00% | -0.03% | -0.02% | 0.00% | -0.05% | 0.00% | +3 bps | |
| Allowance / Loans | 1.16% | 1.06% | 0.98% | 0.96% | 0.95% | 0.97% | 0.97% | 0.83% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 15.71% | 15.21% | 15.28% | 15.02% | 14.84% | 15.03% | 14.83% | 15.25% | +22 bps | |
| Equity / Assets | 8.54% | 8.56% | 8.74% | 8.61% | 8.83% | 8.68% | 8.77% | 9.28% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.75% | 80.62% | 80.38% | 84.07% | 81.25% | 76.42% | 77.16% | 80.39% | -369 bps | |
| Liquid Assets / Assets | 0.44% | 0.37% | 0.24% | 0.21% | 0.27% | 0.36% | 0.47% | 0.24% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |