Hollywood, MD · Charter 19620
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Hollywood, MD · Charter 19620
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.12% | -0.08% | -1.58% | -44.41% | -1.86% | -1.94% | -7.77% | -619 bps | |
| Return on Equity | -0.81% | -0.47% | -0.35% | -7.04% | -310% | -9.39% | n/a | n/a | n/a | |
| Net Interest Margin | 6.49% | 4.41% | 3.35% | 17.33% | 5.47% | 7.29% | 7.60% | 30.42% | +1,309 bps | |
| Efficiency Ratio | 102.94% | 102.55% | 102.37% | 108.68% | 912% | 125.33% | 125.33% | 125.33% | +1,666 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.23% | -1.98% | 0.97% | 4.92% | -23.68% | -10.68% | -34.97% | -37.51% | -4,243 bps | |
| Loan Growth (YoY) | -3.27% | -2.34% | -15.14% | -0.78% | 7.32% | -12.46% | -45.88% | -48.57% | -4,779 bps | |
| Share Growth (YoY) | -4.32% | -2.63% | 3.04% | 9.30% | -13.44% | -5.07% | 49.70% | 41.54% | +3,224 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 68.17% | 0.00% | 20.08% | 20.08% | +2,008 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 | 7.62% | 7.62% | 7.47% | 9.28% | 2.48% | 1.70% | 2.70% | 2.70% | -658 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.48% | 24.57% | 23.69% | 22.44% | 14.35% | 19.83% | -75.67% | -75.67% | -9,811 bps | |
| Net Worth / Assets | 24.48% | 24.57% | 23.69% | 22.44% | 14.35% | 19.83% | -75.67% | -75.67% | -9,811 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.30% | 72.65% | 74.19% | 73.82% | 89.64% | 66.99% | 26.82% | 26.82% | -4,699 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |