Easton, MD · Cert 1893
FDIC · 6 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Easton, MD · Cert 1893
FDIC · 6 branches
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.32% | 0.39% | 0.46% | 0.54% | 0.57% | 0.73% | 0.73% | +27 bps | |
| Return on Equity | 3.82% | 3.35% | 3.47% | 4.12% | 4.79% | 5.13% | 6.52% | 6.40% | +228 bps | |
| Net Interest Margin | 3.03% | 3.06% | 3.13% | 3.15% | 3.10% | 3.04% | 3.24% | 3.29% | +13 bps | |
| Efficiency Ratio | 68.28% | 69.78% | 71.55% | 68.34% | 66.29% | 64.79% | 60.21% | 61.36% | -698 bps | |
| Non-Interest Burden | 1.96% | 2.04% | 2.09% | 1.99% | 1.89% | 1.81% | 1.77% | 1.83% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.83% | 1.31% | 4.27% | -0.52% | 3.54% | 5.36% | 4.21% | 4.19% | +471 bps | |
| Loan Growth (YoY) | -10.48% | -6.16% | -3.43% | 2.13% | 7.29% | 14.19% | 13.45% | 9.71% | +758 bps | |
| Deposit Growth (YoY) | -1.70% | -1.79% | 0.88% | -0.95% | 3.91% | 5.13% | 3.82% | 3.75% | +470 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 | 1.56% | 1.59% | 0.46% | 0.39% | 0.32% | 0.32% | 0.28% | 0.27% | -12 bps | |
| Allowance / Loans | 1.23% | 1.04% | 1.05% | 1.04% | 1.04% | 1.01% | 1.03% | 1.01% | -2 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 | 9.36% | 9.66% | 9.66% | 9.72% | 10.24% | 10.79% | +113 bps | |
| Total Risk-Based Capital | 13.85% | 14.16% | 13.88% | 14.09% | 14.14% | 14.30% | 14.74% | 15.05% | +96 bps | |
| Equity / Assets | 10.87% | 11.02% | 11.20% | 11.45% | 11.08% | 10.98% | 11.40% | 11.85% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.36% | 73.74% | 74.57% | 80.37% | 77.81% | 80.09% | 81.49% | 84.99% | +462 bps | |
| Liquid Assets / Assets | 9.30% | 8.60% | 7.42% | 3.38% | 6.07% | 6.30% | 5.95% | 3.96% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |