Baltimore, MD · Cert 15951
FDIC
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.17% | 0.64% | -1.04% | -0.14% | -0.17% | -0.52% | -4.19% | -315 bps | |
| Return on Equity | 14.31% | 14.40% | 8.19% | -16.08% | -2.05% | -2.63% | -7.52% | -52.59% | -3,651 bps | |
| Net Interest Margin | 3.46% | 3.40% | 3.29% | 3.06% | 3.12% | 3.06% | 2.93% | 2.35% | -71 bps | |
| Efficiency Ratio | 64.68% | 63.50% | 64.04% | 68.22% | 66.65% | 68.06% | 71.87% | 92.06% | +2,385 bps | |
| Non-Interest Burden | 1.56% | 1.42% | 1.41% | 1.55% | 1.49% | 1.53% | 1.64% | 2.06% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.40% | -0.79% | 2.65% | 2.88% | 2.99% | 1.10% | 1.75% | 0.99% | -189 bps | |
| Loan Growth (YoY) | 4.46% | 7.44% | 8.98% | 8.08% | 6.84% | 5.17% | 3.18% | 2.74% | -535 bps | |
| Deposit Growth (YoY) | 0.90% | 1.80% | 0.96% | 2.08% | 4.13% | 9.26% | 13.69% | 10.28% | +820 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 | 0.27% | 0.24% | 0.31% | 0.30% | 0.31% | 0.36% | 0.45% | 1.24% | +94 bps | |
| Allowance / Loans | 1.16% | 1.26% | 1.31% | 1.31% | 1.38% | 1.40% | 1.68% | 2.20% | +89 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 | 11.76% | 11.55% | 10.61% | 10.11% | 12.27% | 11.63% | 11.24% | 8.35% | -176 bps | |
| Equity / Assets | 8.08% | 7.72% | 6.74% | 6.20% | 6.94% | 6.50% | 8.38% | 7.55% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.06% | 96.44% | 101.01% | 96.47% | 96.50% | 92.83% | 91.67% | 89.87% | -660 bps | |
| Liquid Assets / Assets | 0.81% | 0.78% | 0.76% | 0.77% | 0.76% | 5.07% | 4.72% | 3.98% | +321 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |