Baltimore, MD · Charter 12670
Q2 1997
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 2.39% | 2.13% | 3.02% | 0.57% | -7.85% | -5.79% | -5.71% | -873 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -43.73% | -34.84% | -40.49% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -67.48% | -34.09% | -39.45% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -43.44% | -31.56% | -34.25% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 2.41% | 0.00% | 0.19% | 0.28% | 15.50% | 6.77% | 13.78% | +1,358 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.00% | 0.73% | 1.11% | 1.26% | 8.86% | 4.45% | 7.36% | +625 bps | |
| Capital | |||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||||
| Loans / Shares | 76.36% | 86.95% | 54.21% | 50.84% | 43.90% | 83.74% | 49.92% | -429 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 50.73% | 0.00% | 29.73% | +2,973 bps | |