Baltimore, MD · Charter 20867
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.91% | 1.68% | 1.29% | 1.43% | 1.60% | -0.26% | 0.41% | -87 bps | |
| Return on Equity | 3.82% | 4.81% | 7.31% | 5.77% | 6.11% | 6.15% | -1.12% | 1.30% | -447 bps | |
| Net Interest Margin | 9.50% | 6.04% | 7.35% | 6.79% | 6.98% | 7.79% | 6.40% | 8.59% | +181 bps | |
| Efficiency Ratio | 75.47% | 86.06% | 78.62% | 82.50% | 81.12% | 81.09% | 103.79% | 95.54% | +1,304 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -31.92% | -8.06% | -2.22% | 2.23% | 0.17% | -18.50% | 4.76% | -27.10% | -2,933 bps | |
| Loan Growth (YoY) | -16.58% | -29.27% | -24.94% | -17.11% | -13.60% | 7.15% | -9.49% | -19.67% | -256 bps | |
| Share Growth (YoY) | -32.91% | -10.10% | -5.85% | -1.90% | -3.58% | -25.99% | 4.40% | -36.47% | -3,457 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.86% | 5.73% | 12.09% | 9.01% | 10.63% | 11.62% | 10.96% | 13.24% | +422 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 | 12.09% | 13.35% | 12.85% | 13.18% | 15.76% | 15.38% | 15.40% | 16.92% | +374 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.20% | 18.87% | 23.04% | 22.28% | 23.37% | 25.97% | 23.37% | 31.83% | +955 bps | |
| Net Worth / Assets | 20.20% | 18.87% | 23.04% | 22.28% | 23.37% | 25.97% | 23.37% | 31.83% | +955 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.21% | 66.09% | 87.21% | 82.42% | 80.83% | 95.67% | 75.60% | 104.20% | +2,179 bps | |
| Liquid Assets / Assets | 35.87% | 52.57% | 39.76% | 43.49% | 46.21% | 39.43% | 49.70% | 40.84% | -264 bps | |