PackageTrendsPeer
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Grandbank

Rockville, MD · Cert 22988

FDIC

Q1 2001

$120.0MAssets
$68.6MLoans
$105.2MDeposits
$8.0MEquity
Loan mix
44%RE $13.6M51%C&I $15.6M5%Consumer $1.6MQ1 2000Q1 2001
Deposit mix
89%Interest-bearing $94.0M11%Noninterest $11.2MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of -3.69%, down 389 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.47%.
  • Funding: loans stand at 65.20% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

-3.69%-389 bps YoY

Net Interest Margin (quarter, annualized)

3.34%

Efficiency Ratio (quarter, annualized)

204%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.20%0.25%0.22%-0.18%-3.69%-389 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.34%n/an/a
Efficiency Ration/an/an/an/a204%n/an/a
Non-Interest Burdenn/an/an/an/a7.45%n/an/a
Growth
Asset Growth (YoY)-0.93%-4.65%-3.32%0.54%3.36%+430 bps
Loan Growth (YoY)0.77%4.22%3.64%5.29%16.39%+1,562 bps
Deposit Growth (YoY)-1.38%-6.89%-2.02%3.07%2.17%+354 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a2.47%n/an/a
Allowance / Loansn/an/an/an/a1.15%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a9.20%n/an/a
Equity / Assetsn/an/an/an/a6.65%n/an/a
Liquidity & Funding
Loans / Deposits57.23%61.32%60.57%59.93%65.20%+797 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a