Columbia, MD · Cert 27244
FDIC · 32 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Columbia, MD · Cert 27244
FDIC · 32 branches
Q2 2019
Market Position · Baltimore-Columbia-Towson, MD · 2019 SOD (annual) · 1.4% share · #11 of 49 inst. · $1.0B of $74.3B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.84% | 1.17% | 1.28% | 1.28% | 1.16% | 1.05% | 1.28% | 0 bps | |
| Return on Equity | 7.08% | 6.35% | 8.60% | 9.43% | 9.36% | 8.51% | 7.78% | 9.62% | +19 bps | |
| Net Interest Margin | 3.07% | 3.08% | 3.23% | 3.23% | 3.21% | 3.28% | 3.26% | 3.20% | -3 bps | |
| Efficiency Ratio | 62.62% | 63.16% | 64.68% | 61.80% | 60.53% | 60.43% | 60.82% | 61.76% | -3 bps | |
| Non-Interest Burden | 1.53% | 1.57% | 1.71% | 1.60% | 1.52% | 1.56% | 1.58% | 1.58% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.27% | 5.48% | 2.82% | 4.32% | 2.38% | 5.26% | 7.65% | 5.55% | +123 bps | |
| Loan Growth (YoY) | 15.30% | 15.15% | 10.11% | 10.59% | 6.46% | 6.21% | 7.34% | 5.50% | -509 bps | |
| Deposit Growth (YoY) | 6.68% | 6.68% | 3.84% | 0.91% | -2.29% | -0.54% | 0.75% | 2.30% | +139 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.30% | 0.45% | 0.44% | 0.44% | 1.39% | 1.35% | 1.32% | +88 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.02% | 0.07% | 0.07% | 0.10% | 0.13% | 0.08% | +1 bps | |
| Allowance / Loans | 1.10% | 0.99% | 0.97% | 0.92% | 1.03% | 1.18% | 1.22% | 1.09% | +16 bps | |
| Allowance Coverage of NPLs | 3.2x | 3.3x | 2.2x | 2.1x | 2.4x | 0.8x | 0.9x | 0.8x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.22% | 9.30% | 9.70% | 9.79% | 9.89% | 10.08% | 9.50% | 9.26% | -53 bps | |
| Total Risk-Based Capital | 12.26% | 12.23% | 12.51% | 12.47% | 12.71% | 12.88% | 12.06% | 11.53% | -94 bps | |
| Equity / Assets | 13.34% | 13.58% | 13.67% | 13.49% | 13.87% | 13.81% | 13.23% | 13.01% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.17% | 98.76% | 101.15% | 105.53% | 105.88% | 105.46% | 107.76% | 108.83% | +330 bps | |
| Liquid Assets / Assets | 0.26% | 0.24% | 0.11% | 0.22% | 5.73% | 5.72% | 5.65% | 5.78% | +557 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |