Cumberland, MD · Charter 12750
Q2 2003
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.08% | 0.34% | 0.52% | 0.33% | 0.27% | -0.51% | -5.90% | -642 bps | |
| Return on Equity | 3.29% | 0.73% | 3.12% | 4.62% | 2.96% | 2.43% | -4.57% | -73.41% | -7,803 bps | |
| Net Interest Margin | 5.25% | 4.73% | 4.83% | 5.02% | 4.87% | 4.84% | 4.23% | 4.16% | -86 bps | |
| Efficiency Ratio | 93.14% | 98.35% | 93.18% | 89.93% | 93.32% | 94.47% | 112.01% | 242% | +15,197 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.26% | -2.41% | 0.91% | 1.42% | 5.99% | 4.71% | -0.62% | 1.61% | +19 bps | |
| Loan Growth (YoY) | 3.18% | -4.76% | -9.48% | -17.35% | -16.89% | -16.34% | -17.77% | -18.16% | -81 bps | |
| Share Growth (YoY) | -1.87% | -2.95% | 0.55% | 0.84% | 6.09% | 4.62% | -0.85% | 5.24% | +440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.94% | 3.09% | 2.49% | 2.58% | 0.22% | 0.48% | 0.46% | 1.13% | -146 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.89% | 0.96% | 1.02% | 0.66% | 0.72% | 0.77% | 0.83% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.24% | 11.12% | 10.91% | 11.15% | 11.20% | 11.20% | 11.12% | 8.04% | -311 bps | |
| Net Worth / Assets | 11.24% | 11.12% | 10.91% | 11.15% | 11.20% | 11.20% | 11.12% | 8.04% | -311 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.89% | 83.00% | 74.96% | 70.13% | 72.76% | 66.37% | 62.16% | 54.54% | -1,559 bps | |
| Liquid Assets / Assets | 16.56% | 25.40% | 32.02% | 37.00% | 34.29% | 39.71% | 43.35% | 49.04% | +1,204 bps | |