Elkton, MD · Cert 13779
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Elkton, MD · Cert 13779
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 1.95% | 1.85% | 2.12% | 1.98% | 1.97% | 1.63% | 1.74% | -38 bps | |
| Return on Equity | 21.55% | 21.93% | 21.31% | 24.26% | 22.66% | 22.44% | 18.46% | 19.35% | -491 bps | |
| Net Interest Margin | 4.49% | 4.42% | 4.31% | 4.30% | 4.22% | 4.09% | 4.02% | 4.12% | -18 bps | |
| Efficiency Ratio | 39.96% | 39.10% | 41.74% | 40.90% | 41.31% | 41.05% | 42.49% | 40.21% | -69 bps | |
| Non-Interest Burden | 1.38% | 1.32% | 1.43% | 1.37% | 1.35% | 1.29% | 1.31% | 1.22% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.66% | 12.67% | 10.90% | 6.52% | 7.45% | 6.69% | 7.54% | 4.87% | -165 bps | |
| Loan Growth (YoY) | 14.53% | 13.89% | 12.57% | 7.75% | 8.47% | 9.43% | 10.94% | 9.42% | +168 bps | |
| Deposit Growth (YoY) | 11.83% | 8.43% | 9.40% | 5.27% | 4.13% | 6.59% | 8.59% | 8.35% | +309 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 | 0.10% | 0.08% | 0.00% | 0.01% | 0.04% | 0.04% | 0.02% | 0.01% | 0 bps | |
| Allowance / Loans | 1.23% | 1.22% | 1.19% | 0.90% | 0.85% | 0.80% | 0.80% | 0.82% | -8 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 | 16.02% | 15.92% | 16.12% | 16.16% | 15.87% | 15.63% | 15.53% | 15.96% | -19 bps | |
| Equity / Assets | 8.73% | 8.61% | 8.73% | 8.87% | 8.81% | 8.79% | 8.86% | 9.34% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.40% | 107.44% | 104.81% | 105.63% | 108.75% | 110.30% | 107.06% | 106.67% | +104 bps | |
| Liquid Assets / Assets | 0.22% | 0.22% | 0.19% | 0.27% | 0.18% | 0.15% | 0.21% | 0.08% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |