Baltimore, MD · Charter 20924
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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 20924
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.03% | 0.17% | -1.83% | -1.60% | -4.98% | -1.73% | -3.68% | -2.03% | -43 bps | |
| Return on Equity | -14.21% | 2.37% | -27.95% | -22.63% | -127.45% | -47.91% | -156.13% | -37.16% | -1,453 bps | |
| Net Interest Margin | 4.03% | 3.56% | 3.35% | 3.55% | 3.58% | 3.36% | 3.23% | 3.04% | -51 bps | |
| Efficiency Ratio | 99.52% | 96.69% | 121.29% | 114.47% | 130.61% | 135.80% | 177.39% | 143.27% | +2,880 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.32% | -12.60% | -12.52% | -17.08% | -18.80% | -23.76% | -21.34% | -17.21% | -13 bps | |
| Loan Growth (YoY) | -22.60% | -14.91% | -10.54% | -3.51% | -1.87% | -9.72% | -23.56% | -34.00% | -3,049 bps | |
| Share Growth (YoY) | -9.17% | -12.50% | -11.62% | -16.44% | -15.63% | -20.98% | -17.76% | -16.32% | +13 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.05% | 4.75% | 2.63% | 3.51% | 4.75% | 5.57% | 4.79% | 5.68% | +218 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 | 1.88% | 0.80% | 1.19% | 1.54% | 3.77% | 4.18% | 2.79% | 2.16% | +62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.22% | 7.03% | 6.56% | 7.07% | 3.91% | 3.60% | 2.36% | 5.46% | -161 bps | |
| Net Worth / Assets | 7.22% | 7.03% | 6.56% | 7.07% | 3.91% | 3.60% | 2.36% | 5.46% | -161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.39% | 54.37% | 58.61% | 66.66% | 66.75% | 62.12% | 54.47% | 52.58% | -1,408 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |