Hagerstown, MD · Cert 1899
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.46% | 1.52% | 1.24% | 1.67% | 1.13% | 0.91% | 0.94% | -30 bps | |
| Return on Equity | 18.28% | 21.63% | 22.04% | 18.07% | 24.64% | 16.62% | 13.54% | 13.94% | -413 bps | |
| Net Interest Margin | 3.14% | 3.16% | 3.18% | 3.24% | 3.27% | 2.97% | 2.61% | 2.74% | -50 bps | |
| Efficiency Ratio | 59.11% | 58.05% | 60.54% | 58.47% | 57.74% | 62.09% | 66.13% | 67.99% | +952 bps | |
| Non-Interest Burden | 1.41% | 1.32% | 1.45% | 1.31% | 1.39% | 1.40% | 1.32% | 1.50% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.10% | -2.56% | -3.78% | -5.03% | -2.62% | 4.31% | 10.25% | 13.96% | +1,899 bps | |
| Loan Growth (YoY) | -7.67% | -7.85% | -7.94% | -6.31% | 0.10% | -0.20% | -0.90% | 0.36% | +668 bps | |
| Deposit Growth (YoY) | 3.16% | -0.24% | -5.29% | -4.53% | -2.62% | 4.09% | 10.59% | 13.90% | +1,844 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 | 0.03% | 0.02% | 0.09% | 0.16% | 1.89% | 0.33% | 0.18% | 0.16% | 0 bps | |
| Allowance / Loans | 1.55% | 1.44% | 1.45% | 1.49% | 0.98% | 0.91% | 0.94% | 0.94% | -55 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 | 11.57% | 11.48% | 11.59% | 11.19% | 10.92% | 10.92% | 11.25% | 11.30% | +11 bps | |
| Equity / Assets | 6.75% | 6.79% | 7.03% | 6.68% | 6.85% | 6.71% | 6.71% | 6.77% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.91% | 84.95% | 84.41% | 83.74% | 86.25% | 81.44% | 75.64% | 73.79% | -995 bps | |
| Liquid Assets / Assets | 0.01% | 0.00% | 0.00% | 0.02% | 0.02% | 0.02% | 0.00% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |