Frederick, MD · Charter 12844
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.81% | 3.73% | 3.35% | 0.44% | 0.73% | 0.87% | 0.58% | -0.91% | -135 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 11.06% | 7.51% | -14.42% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.13% | 4.17% | 4.20% | 3.62% | 3.53% | -60 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 80.81% | 79.08% | 79.61% | 87.94% | 100.44% | +1,964 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.14% | -1.87% | -3.67% | -3.80% | -0.56% | -0.40% | 4.37% | 10.01% | +1,381 bps | |
| Loan Growth (YoY) | 4.18% | -6.77% | -18.98% | -26.24% | -28.17% | -20.84% | -6.15% | -2.52% | +2,372 bps | |
| Share Growth (YoY) | -0.82% | -0.66% | -3.24% | -3.99% | -0.56% | -2.33% | 2.48% | 9.81% | +1,380 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.92% | 3.23% | 2.11% | 3.06% | 2.90% | 2.99% | 2.14% | 1.49% | -157 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 | 1.98% | 2.32% | 2.26% | 2.75% | 2.94% | 2.46% | 2.00% | 3.33% | +58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 7.89% | 7.76% | 6.29% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 7.89% | 7.76% | 6.29% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.82% | 78.03% | 67.94% | 66.79% | 61.99% | 63.24% | 62.22% | 59.29% | -750 bps | |
| Liquid Assets / Assets | 14.29% | 20.67% | 18.13% | 13.10% | 13.11% | 22.69% | 24.55% | 31.51% | +1,841 bps | |