Baltimore, MD · Charter 19492
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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 19492
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.05% | 0.14% | 0.20% | 0.23% | 0.50% | 0.71% | 0.70% | +50 bps | |
| Return on Equity | 4.10% | 0.57% | 1.73% | 2.67% | 2.95% | 6.41% | 8.78% | 8.04% | +537 bps | |
| Net Interest Margin | 4.48% | 4.18% | 4.12% | 3.82% | 4.01% | 4.20% | 4.33% | 4.61% | +79 bps | |
| Efficiency Ratio | 93.14% | 99.04% | 97.14% | 95.64% | 95.20% | 89.67% | 85.98% | 86.96% | -868 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.30% | 8.69% | 5.50% | 9.87% | 18.51% | 8.02% | 5.12% | -8.53% | -1,841 bps | |
| Loan Growth (YoY) | 0.76% | 9.51% | 7.26% | -0.52% | 1.34% | -4.59% | 7.57% | -5.86% | -535 bps | |
| Share Growth (YoY) | 14.49% | 9.15% | 5.77% | 10.34% | 20.05% | 8.30% | 4.96% | -9.77% | -2,011 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 1.16% | 0.54% | 0.74% | 0.52% | 0.51% | 0.00% | 0.00% | -74 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 | 1.58% | 0.88% | 0.92% | 0.93% | 0.92% | 0.96% | 0.90% | 1.03% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.89% | 8.01% | 7.91% | 7.39% | 7.73% | 7.75% | 8.03% | 8.68% | +129 bps | |
| Net Worth / Assets | 8.89% | 8.01% | 7.91% | 7.39% | 7.73% | 7.75% | 8.03% | 8.68% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.28% | 51.59% | 48.54% | 44.53% | 47.51% | 45.45% | 49.74% | 46.46% | +193 bps | |
| Liquid Assets / Assets | 26.54% | 27.64% | 39.88% | 52.86% | 45.90% | 38.98% | 39.53% | 55.86% | +300 bps | |