Baltimore, MD · Charter 15770
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Baltimore, MD · Charter 15770
Q4 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.09% | 0.19% | 0.14% | 0.09% | -27 bps | |
| Return on Equity | 3.43% | 0.86% | 1.76% | 1.33% | 0.79% | -263 bps | |
| Net Interest Margin | 3.40% | 3.07% | 3.07% | 3.16% | 3.23% | -17 bps | |
| Efficiency Ratio | 87.28% | 92.56% | 90.19% | 91.70% | 92.97% | +569 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.80% | -1.90% | -4.58% | -6.00% | -6.64% | -944 bps | |
| Loan Growth (YoY) | -18.47% | -19.55% | -15.83% | -14.23% | -11.15% | +732 bps | |
| Share Growth (YoY) | 2.77% | -2.38% | -5.37% | -6.89% | -7.49% | -1,026 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.86% | 0.55% | 0.56% | 0.88% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.58% | 0.52% | 0.57% | 0.64% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.36% | 10.35% | 10.56% | 10.89% | 11.19% | +83 bps | |
| Net Worth / Assets | 10.36% | 10.35% | 10.56% | 10.89% | 11.19% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.23% | 30.31% | 31.23% | 31.74% | 30.96% | -127 bps | |
| Liquid Assets / Assets | 23.46% | 35.87% | 29.18% | 25.12% | 27.24% | +378 bps | |