Baltimore, MD · Charter 21055
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.54% | 2.82% | 2.19% | 2.99% | 1.32% | 0.95% | -6.26% | -13.30% | -1,628 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.24% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 167.36% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.90% | -7.21% | -7.31% | -7.53% | -14.38% | -12.79% | -23.10% | -56.66% | -4,913 bps | |
| Loan Growth (YoY) | -13.17% | -14.43% | -37.37% | -30.59% | -16.88% | -7.59% | -0.35% | -39.27% | -868 bps | |
| Share Growth (YoY) | -10.51% | -8.72% | -8.80% | -20.44% | -16.21% | -14.22% | -22.09% | -56.24% | -3,580 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 1.38% | 11.25% | 2.65% | 1.67% | 1.71% | 2.82% | 4.33% | +167 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 | 1.74% | 1.97% | 2.49% | 2.42% | 2.17% | 2.14% | 7.73% | 12.86% | +1,044 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.87% | 34.79% | 23.47% | 33.54% | 32.61% | 37.47% | 30.02% | 46.55% | +1,301 bps | |
| Liquid Assets / Assets | 62.98% | 59.79% | 71.62% | 63.06% | 62.21% | 66.46% | 62.25% | 64.83% | +177 bps | |