Glen Burnie, MD · Charter 23727
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.70% | 3.13% | 1.54% | 3.98% | 4.14% | 3.16% | 2.44% | 2.28% | -170 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -10.79% | -7.31% | -0.55% | -5.35% | -3.01% | 6.13% | 1.53% | +208 bps | |
| Loan Growth (YoY) | n/a | 0.29% | -1.43% | -2.34% | -8.99% | -12.66% | -6.49% | 3.74% | +608 bps | |
| Share Growth (YoY) | n/a | -8.61% | -6.29% | 0.33% | -5.36% | -3.53% | 6.47% | 1.21% | +88 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.64% | 2.48% | 0.50% | 1.27% | 2.36% | 2.84% | 2.77% | 1.84% | +57 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 | 2.52% | 2.83% | 2.28% | 1.59% | 1.43% | 1.98% | 1.68% | 1.69% | +10 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 | 80.05% | 74.00% | 84.35% | 76.63% | 76.98% | 67.00% | 74.08% | 78.55% | +191 bps | |
| Liquid Assets / Assets | 4.87% | 12.97% | 8.12% | 19.66% | 13.89% | 24.72% | 14.26% | 9.43% | -1,023 bps | |