Cambridge, MD · Cert 26759
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Cambridge, MD · Cert 26759
FDIC
Q1 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.53% | -2.04% | -4.17% | -6.50% | -3.86% | -4.95% | -4.35% | -1.29% | +522 bps | |
| Return on Equity | -19.26% | -26.44% | -57.28% | -137.63% | -85.71% | -123.03% | -120.31% | -76.92% | +6,071 bps | |
| Net Interest Margin | 2.60% | 2.50% | 2.22% | 2.57% | 2.80% | 3.07% | 2.81% | 3.31% | +74 bps | |
| Efficiency Ratio | 99.47% | 79.34% | 92.80% | 399% | 181.32% | 374% | 344% | 110.89% | -28,861 bps | |
| Non-Interest Burden | 2.59% | 1.68% | 1.96% | 5.02% | 4.29% | 5.83% | 5.28% | 3.70% | -132 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.16% | -10.15% | -12.18% | -17.62% | -18.74% | -20.10% | -17.42% | -14.70% | +291 bps | |
| Loan Growth (YoY) | -4.92% | -6.29% | -8.55% | -13.58% | -14.73% | -16.78% | -14.36% | -10.87% | +271 bps | |
| Deposit Growth (YoY) | -1.25% | -4.13% | -9.38% | -11.51% | -10.79% | -11.91% | -11.23% | -11.83% | -32 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.70% | 2.31% | 4.62% | 6.85% | 3.81% | 4.78% | 3.88% | 1.48% | -537 bps | |
| Allowance / Loans | 5.31% | 6.38% | 4.73% | 4.58% | 4.82% | 4.06% | 4.30% | 4.27% | -31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.22% | 8.03% | 8.01% | 6.23% | 6.01% | 4.02% | 3.44% | 3.10% | -314 bps | |
| Equity / Assets | 7.45% | 7.05% | 5.39% | 4.02% | 4.02% | 2.41% | 1.81% | 1.53% | -249 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.59% | 94.99% | 94.28% | 90.67% | 89.46% | 89.73% | 90.95% | 91.66% | +99 bps | |
| Liquid Assets / Assets | 2.03% | 2.78% | 4.35% | 1.74% | 1.62% | 1.62% | 1.85% | 1.54% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |