Baltimore, MD · Cert 12433
FDIC
Q1 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | 0.06% | 0.22% | -0.07% | 0.04% | 0.31% | 0.32% | 0.04% | +12 bps | |
| Return on Equity | -2.98% | 0.66% | 2.55% | -0.85% | 0.50% | 3.47% | 3.59% | 0.47% | +131 bps | |
| Net Interest Margin | 3.76% | 3.78% | 3.84% | 3.70% | 3.66% | 3.64% | 3.57% | 3.26% | -44 bps | |
| Efficiency Ratio | 88.23% | 83.49% | 82.38% | 86.45% | 86.27% | 81.92% | 83.43% | 87.69% | +124 bps | |
| Non-Interest Burden | 3.11% | 2.81% | 2.79% | 2.87% | 2.85% | 2.53% | 2.59% | 2.53% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.67% | -6.52% | -5.43% | 0.66% | -4.50% | 1.81% | 0.15% | -2.11% | -277 bps | |
| Loan Growth (YoY) | -2.92% | -5.74% | -7.61% | -4.73% | -6.47% | -1.67% | 3.13% | -5.95% | -122 bps | |
| Deposit Growth (YoY) | -4.07% | -2.14% | 4.34% | 7.49% | 3.83% | 6.62% | 2.84% | -2.10% | -959 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 | 0.76% | 0.77% | 0.60% | 0.09% | 0.56% | 0.46% | 0.39% | -0.07% | -16 bps | |
| Allowance / Loans | 1.49% | 1.49% | 1.58% | 1.64% | 1.56% | 1.58% | 1.53% | 1.96% | +33 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 | 11.13% | 11.50% | 11.66% | 12.34% | 12.20% | 12.54% | 12.00% | 12.82% | +49 bps | |
| Equity / Assets | 8.45% | 8.77% | 8.77% | 8.69% | 9.03% | 8.78% | 9.18% | 9.15% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.57% | 96.50% | 94.08% | 87.56% | 91.49% | 88.99% | 94.34% | 84.11% | -345 bps | |
| Liquid Assets / Assets | 1.56% | 2.66% | 3.60% | 7.51% | 4.80% | 8.14% | 3.79% | 13.27% | +577 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |