Severna Park, MD · Charter 21975
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 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.
Severna Park, MD · Charter 21975
Q2 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.67% | -1.53% | 0.12% | 0.92% | 0.66% | 0.02% | -0.06% | -1.53% | -245 bps | |
| Return on Equity | -22.82% | -20.13% | 1.60% | 11.27% | 8.11% | 0.26% | -0.73% | -21.46% | -3,273 bps | |
| Net Interest Margin | 3.17% | 3.31% | 3.28% | 3.15% | 3.07% | 3.03% | 2.69% | 2.54% | -60 bps | |
| Efficiency Ratio | 124.94% | 125.17% | 100.00% | 79.63% | 75.43% | 84.41% | 107.86% | 148.15% | +6,852 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.24% | -9.16% | -7.15% | -10.21% | -6.15% | -3.42% | -6.17% | -2.09% | +812 bps | |
| Loan Growth (YoY) | -5.52% | -7.80% | -9.07% | -5.83% | -9.33% | -15.71% | -13.09% | -5.16% | +67 bps | |
| Share Growth (YoY) | -4.98% | -8.51% | -6.43% | -10.43% | -6.84% | -3.66% | -6.63% | -0.96% | +946 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.14% | 6.30% | 2.25% | 7.32% | 0.78% | 0.06% | 0.00% | 0.00% | -732 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 | 1.69% | 1.58% | 1.62% | 1.51% | 1.35% | 1.90% | 1.86% | 1.71% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.33% | 7.60% | 7.54% | 8.16% | 8.11% | 7.89% | 8.01% | 7.12% | -104 bps | |
| Net Worth / Assets | 7.33% | 7.60% | 7.54% | 8.16% | 8.11% | 7.89% | 8.01% | 7.12% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.55% | 39.00% | 36.54% | 38.90% | 35.57% | 34.12% | 34.01% | 37.26% | -165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |