Baltimore, MD · Charter 23587
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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 23587
Q4 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.62% | 1.78% | 3.69% | 2.12% | 1.08% | -17.94% | -1,971 bps | |
| Return on Equity | 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 | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 261% | 143.94% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 648% | 277% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 279% | 138.98% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 22.69% | 12.33% | 7.50% | 6.12% | 17.71% | 36.54% | +2,421 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.63% | 6.54% | 3.71% | 5.02% | 7.46% | 25.56% | +1,902 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 39.05% | 67.80% | 58.91% | 86.06% | 77.02% | 106.98% | +3,919 bps | |
| Liquid Assets / Assets | 33.79% | 10.62% | 41.87% | 11.09% | 8.36% | 10.48% | -14 bps | |