Baltimore, MD · Cert 28589
FDIC · 7 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 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.
Baltimore, MD · Cert 28589
FDIC · 7 branches
Q1 2019
Market Position · Baltimore-Columbia-Towson, MD · 2018 SOD (annual) · 0.6% share · #17 of 51 inst. · $0.4B of $72.5B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -0.04% | -0.40% | -3.76% | -1.53% | -0.85% | -0.57% | 0.11% | +387 bps | |
| Return on Equity | -2.16% | -0.36% | -3.89% | -40.10% | -16.58% | -9.03% | -5.95% | 1.08% | +4,118 bps | |
| Net Interest Margin | 2.89% | 2.88% | 2.85% | 2.78% | 2.84% | 2.93% | 2.92% | 2.64% | -14 bps | |
| Efficiency Ratio | 80.77% | 80.90% | 80.51% | 68.27% | 72.17% | 73.26% | 76.16% | 83.44% | +1,517 bps | |
| Non-Interest Burden | 2.26% | 2.26% | 2.22% | 1.64% | 1.88% | 2.01% | 2.11% | 2.15% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.46% | -0.16% | 4.13% | 2.18% | 1.86% | -2.09% | -4.00% | -4.21% | -639 bps | |
| Loan Growth (YoY) | 6.77% | 11.59% | 17.44% | 15.23% | 7.76% | 2.11% | -5.02% | -6.40% | -2,162 bps | |
| Deposit Growth (YoY) | -3.86% | -6.86% | -3.59% | -1.81% | -1.89% | -1.82% | -2.13% | -4.43% | -262 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.72% | 1.60% | 1.71% | 1.84% | 2.67% | 1.62% | 1.50% | 1.50% | -34 bps | |
| Net Charge-Offs / Loans | 1.26% | 0.81% | 0.63% | 0.76% | 0.41% | 0.29% | 0.25% | 0.36% | -40 bps | |
| Allowance / Loans | 0.67% | 0.67% | 0.67% | 0.72% | 0.75% | 0.81% | 0.82% | 0.85% | +12 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.4x | 0.4x | 0.4x | 0.3x | 0.5x | 0.5x | 0.6x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.25% | 8.38% | 8.19% | 7.64% | 7.82% | 8.61% | 8.91% | 8.96% | +133 bps | |
| Total Risk-Based Capital | 12.68% | 12.01% | 11.73% | 11.39% | 11.83% | 13.07% | 13.44% | 13.54% | +215 bps | |
| Equity / Assets | 10.23% | 10.38% | 9.93% | 8.81% | 8.98% | 9.89% | 10.28% | 10.39% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.69% | 92.54% | 98.12% | 95.42% | 93.03% | 96.24% | 95.22% | 93.45% | -197 bps | |
| Liquid Assets / Assets | 1.26% | 0.53% | 0.45% | 1.63% | 4.41% | 1.96% | 1.94% | 4.92% | +329 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |