Parkville, MD · Cert 28684
FDIC · 4 branches
Q2 2022
Market Position · Baltimore-Columbia-Towson, MD · 2022 SOD (annual) · 0.2% share · #28 of 41 inst. · $0.2B of $104.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.82% | 0.23% | 0.30% | 0.46% | 1.42% | 0.02% | 0.10% | -20 bps | |
| Return on Equity | 2.38% | 4.32% | 1.25% | 1.62% | 2.51% | 7.70% | 0.09% | 0.53% | -109 bps | |
| Net Interest Margin | 2.82% | 2.94% | 2.67% | 2.78% | 2.67% | 2.52% | 2.43% | 2.75% | -3 bps | |
| Efficiency Ratio | 80.92% | 70.07% | 89.09% | 92.05% | 81.53% | 62.30% | 98.49% | 95.17% | +312 bps | |
| Non-Interest Burden | 2.13% | 1.79% | 2.31% | 2.51% | 2.10% | 1.01% | 2.40% | 2.61% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.52% | 6.51% | 4.90% | 6.31% | 8.01% | 6.24% | 3.24% | -3.34% | -964 bps | |
| Loan Growth (YoY) | 10.87% | -3.08% | -7.13% | -9.05% | -7.09% | -4.06% | -6.72% | -2.08% | +697 bps | |
| Deposit Growth (YoY) | 4.47% | 5.70% | 10.13% | 10.33% | 9.53% | 7.31% | 4.91% | -3.27% | -1,360 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.12% | 0.22% | 0.17% | 0.17% | 0.18% | 0.25% | 0.13% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 1.10% | 1.12% | 1.06% | 1.03% | 1.06% | 1.10% | 1.06% | -1 bps | |
| Allowance Coverage of NPLs | 3.6x | 9.2x | 5.0x | 6.4x | 6.0x | 6.0x | 4.4x | 8.3x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.28% | 18.66% | 18.62% | 18.49% | 18.10% | 18.74% | 18.06% | 19.39% | +90 bps | |
| Total Risk-Based Capital | 28.46% | 29.53% | 29.95% | 32.14% | 32.48% | 35.46% | 35.65% | 37.03% | +489 bps | |
| Equity / Assets | 18.88% | 18.95% | 18.68% | 18.07% | 18.21% | 18.74% | 17.89% | 19.08% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.97% | 86.01% | 82.99% | 78.03% | 78.01% | 76.89% | 73.79% | 78.99% | +97 bps | |
| Liquid Assets / Assets | 16.93% | 22.66% | 23.76% | 26.36% | 26.89% | 30.00% | 25.66% | 21.93% | -443 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |