Baltimore, MD · Cert 20347
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 · Cert 20347
FDIC
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.60% | 1.64% | 1.58% | 1.52% | 1.54% | 1.52% | 1.19% | 1.45% | -7 bps | |
| Return on Equity | 16.07% | 16.27% | 15.34% | 14.75% | 14.84% | 14.56% | 11.53% | 13.99% | -77 bps | |
| Net Interest Margin | 3.35% | 3.48% | 3.66% | 3.58% | 3.49% | 3.53% | 3.36% | 3.32% | -26 bps | |
| Efficiency Ratio | 58.46% | 57.99% | 67.07% | 61.65% | 60.96% | 61.52% | 64.52% | 57.63% | -402 bps | |
| Non-Interest Burden | 1.08% | 1.11% | 1.69% | 1.30% | 1.24% | 1.31% | 1.38% | 0.96% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 57.13% | 53.48% | 58.11% | 8.76% | 11.62% | 13.50% | 15.47% | 12.72% | +396 bps | |
| Loan Growth (YoY) | 53.12% | 51.60% | 50.27% | 5.72% | 9.98% | 13.23% | 13.71% | 8.67% | +295 bps | |
| Deposit Growth (YoY) | 51.44% | 49.23% | 56.88% | 7.25% | 9.79% | 7.70% | -6.17% | -11.71% | -1,896 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 | 0.01% | 0.01% | -0.03% | -0.05% | -0.03% | -0.02% | 0.20% | 0.18% | +23 bps | |
| Allowance / Loans | 1.55% | 1.55% | 1.37% | 1.44% | 1.41% | 1.37% | 1.33% | 1.28% | -16 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 | 10.49% | 10.77% | 11.02% | 10.92% | 11.72% | 11.42% | 10.68% | 10.93% | +1 bps | |
| Equity / Assets | 10.11% | 10.39% | 10.25% | 10.25% | 10.71% | 10.61% | 10.08% | 10.34% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.30% | 95.18% | 87.09% | 95.06% | 96.47% | 100.06% | 105.55% | 116.99% | +2,194 bps | |
| Liquid Assets / Assets | 0.60% | 0.65% | 0.89% | 1.10% | 1.61% | 1.94% | 2.13% | 2.35% | +124 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |