Owings Mills, MD · Charter 20517
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Owings Mills, MD · Charter 20517
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.20% | -0.63% | -1.09% | -1.03% | -1.18% | -0.85% | -0.23% | -0.60% | +44 bps | |
| Return on Equity | -16.60% | -8.46% | -15.36% | -15.65% | -18.72% | -13.43% | -3.44% | -9.31% | +635 bps | |
| Net Interest Margin | 4.27% | 4.64% | 4.91% | 4.87% | 5.31% | 5.50% | 5.45% | 5.33% | +46 bps | |
| Efficiency Ratio | 113.31% | 106.07% | 104.87% | 100.80% | 91.91% | 90.86% | 91.96% | 99.57% | -124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.23% | 1.65% | -1.05% | -1.91% | -5.99% | -6.39% | -7.36% | -10.68% | -877 bps | |
| Loan Growth (YoY) | -0.71% | 1.94% | 0.68% | -2.31% | -6.95% | -18.46% | -21.01% | -19.49% | -1,719 bps | |
| Share Growth (YoY) | 4.54% | 1.46% | -0.03% | -1.65% | -4.30% | -3.13% | -6.42% | -10.08% | -843 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 2.22% | 2.31% | 1.93% | 1.87% | 1.38% | 1.50% | 1.41% | -52 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 | 0.16% | 0.07% | 0.79% | 0.32% | 0.77% | 0.82% | 0.96% | 0.89% | +58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.23% | 7.47% | 7.09% | 6.61% | 6.33% | 6.34% | 6.70% | 6.40% | -21 bps | |
| Net Worth / Assets | 7.23% | 7.47% | 7.09% | 6.61% | 6.33% | 6.34% | 6.70% | 6.40% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.17% | 92.06% | 89.97% | 81.65% | 82.81% | 77.50% | 75.94% | 73.09% | -855 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |