Baltimore, MD · Cert 28283
FDIC · 4 branches
Q1 2016
Market Position · Baltimore-Columbia-Towson, MD · 2015 SOD (annual) · 0.2% share · #37 of 65 inst. · $0.1B of $67.4B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | -0.54% | -0.34% | -0.30% | 0.16% | -1 bps | |
| Return on Equity | 1.21% | -3.76% | -2.34% | -2.04% | 1.13% | -8 bps | |
| Net Interest Margin | 2.57% | 2.58% | 2.55% | 2.52% | 2.39% | -18 bps | |
| Efficiency Ratio | 94.20% | 94.77% | 97.46% | 98.03% | 91.95% | -224 bps | |
| Non-Interest Burden | 2.42% | 2.44% | 2.48% | 2.47% | 2.19% | -23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.96% | -1.83% | -0.87% | -1.40% | -1.85% | -89 bps | |
| Loan Growth (YoY) | 1.29% | -0.42% | -1.55% | -4.38% | -6.64% | -793 bps | |
| Deposit Growth (YoY) | -2.26% | -2.40% | -1.31% | -1.70% | -1.96% | +31 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.06% | 1.58% | 1.16% | 0.88% | 0.00% | +6 bps | |
| Allowance / Loans | 1.37% | 1.40% | 1.34% | 1.36% | 1.38% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.57% | 14.31% | 14.49% | 14.44% | 14.53% | -4 bps | |
| Total Risk-Based Capital | 27.19% | 26.92% | 27.19% | 27.62% | 28.08% | +89 bps | |
| Equity / Assets | 14.58% | 14.32% | 14.51% | 14.47% | 14.59% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.23% | 100.03% | 98.91% | 97.81% | 96.39% | -484 bps | |
| Liquid Assets / Assets | 12.97% | 13.34% | 14.59% | 15.63% | 18.12% | +515 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |