Baltimore, MD · Charter 16634
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.35% | -1.89% | -5.09% | 1.20% | -0.38% | -1.14% | -0.51% | -0.63% | -182 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -22.67% | -35.46% | -33.05% | -22.61% | -20.81% | -27.86% | -40.70% | -766 bps | |
| Loan Growth (YoY) | n/a | -33.44% | -43.94% | -42.15% | -50.88% | -46.96% | -37.90% | -63.65% | -2,150 bps | |
| Share Growth (YoY) | n/a | -22.84% | -34.48% | -31.34% | -15.91% | -16.69% | -24.55% | -39.05% | -771 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.67% | 9.32% | 5.80% | 12.70% | 11.21% | 10.96% | 16.47% | 18.22% | +553 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 | 0.70% | 5.30% | 10.34% | 12.25% | 11.19% | 13.41% | 16.85% | 17.23% | +498 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.76% | 39.24% | 56.81% | 32.26% | 41.33% | 24.98% | 46.76% | 19.24% | -1,302 bps | |
| Liquid Assets / Assets | 34.88% | 53.31% | 34.03% | 59.68% | 54.25% | 69.25% | 41.99% | 49.15% | -1,052 bps | |