Owings Mills, MD · Cert 27555
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Owings Mills, MD · Cert 27555
FDIC
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.31% | 0.02% | 0.03% | 0.00% | -0.05% | -0.06% | 0.17% | +14 bps | |
| Return on Equity | 0.11% | 2.67% | 0.21% | 0.31% | 0.02% | -0.51% | -0.60% | 1.72% | +142 bps | |
| Net Interest Margin | 3.90% | 4.04% | 3.79% | 3.50% | 3.49% | 3.56% | 3.78% | 3.91% | +40 bps | |
| Efficiency Ratio | 99.82% | 98.67% | 106.52% | 98.74% | 108.25% | 107.70% | 106.16% | 93.49% | -525 bps | |
| Non-Interest Burden | 3.89% | 3.98% | 4.06% | 3.45% | 3.82% | 3.87% | 4.05% | 3.62% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.31% | 0.75% | 5.74% | 7.34% | 18.96% | 11.82% | 7.49% | 9.98% | +264 bps | |
| Loan Growth (YoY) | 15.15% | 19.01% | 19.82% | 21.56% | 13.81% | 10.60% | 8.66% | -2.33% | -2,389 bps | |
| Deposit Growth (YoY) | -13.51% | -2.08% | 10.57% | 8.62% | 21.71% | 14.93% | 8.72% | 11.35% | +272 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 | -0.02% | 0.39% | -0.15% | -0.26% | -0.61% | -0.61% | -0.55% | 0.12% | +38 bps | |
| Allowance / Loans | 3.48% | 2.61% | 2.56% | 2.48% | 2.51% | 2.62% | 2.69% | 2.79% | +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 | 13.49% | 13.06% | 12.66% | 12.15% | 11.90% | 11.89% | 11.58% | 11.85% | -30 bps | |
| Equity / Assets | 12.20% | 12.11% | 10.96% | 10.67% | 10.20% | 10.49% | 10.05% | 9.64% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.12% | 90.54% | 84.54% | 87.32% | 82.40% | 87.13% | 84.49% | 76.59% | -1,073 bps | |
| Liquid Assets / Assets | 0.16% | 0.16% | 0.06% | 0.05% | 0.05% | 0.05% | 0.05% | 0.04% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |