Lutherville, MD · Charter 23484
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 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.
Lutherville, MD · Charter 23484
Q1 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.84% | 1.35% | -1.23% | -3.32% | -3.27% | -3.60% | -0.61% | +62 bps | |
| Return on Equity | 19.23% | 25.58% | 21.23% | -22.44% | -75.06% | -89.55% | -137.12% | -24.04% | -160 bps | |
| Net Interest Margin | 3.02% | 3.89% | 3.71% | 4.83% | 5.21% | 5.08% | 5.10% | 4.71% | -12 bps | |
| Efficiency Ratio | 63.46% | 56.19% | 53.64% | 77.41% | 64.36% | 63.65% | 60.90% | 58.14% | -1,927 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.96% | 61.04% | 43.44% | 15.40% | 3.77% | 5.02% | -11.06% | -9.27% | -2,467 bps | |
| Loan Growth (YoY) | 43.93% | 78.90% | 84.71% | 74.75% | 31.34% | 5.66% | -4.32% | -17.65% | -9,240 bps | |
| Share Growth (YoY) | 9.79% | 65.34% | 44.32% | 16.11% | 5.78% | 8.84% | -7.28% | -6.33% | -2,243 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.28% | 5.95% | 5.15% | 3.66% | 4.50% | 8.50% | 11.06% | 13.41% | +975 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 | 0.21% | 0.13% | 0.01% | 0.10% | 1.53% | 0.95% | 3.09% | 3.64% | +354 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.31% | 7.18% | 6.36% | 5.50% | 4.42% | 3.65% | 2.62% | 2.54% | -296 bps | |
| Net Worth / Assets | 6.31% | 7.18% | 6.36% | 5.50% | 4.42% | 3.65% | 2.62% | 2.54% | -296 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.83% | 92.04% | 82.72% | 91.88% | 90.42% | 89.35% | 85.37% | 80.77% | -1,111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |