Baltimore, MD · Cert 29901
FDIC · 4 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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 29901
FDIC · 4 branches
Q4 2018
Market Position · Baltimore-Columbia-Towson, MD · 2018 SOD (annual) · 0.2% share · #33 of 51 inst. · $0.1B 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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.30% | 0.80% | 1.00% | 1.12% | 1.31% | -200 bps | |
| Return on Equity | 16.06% | 3.49% | 4.31% | 4.70% | 5.34% | -1,072 bps | |
| Net Interest Margin | 2.27% | 3.20% | 3.36% | 3.61% | 3.79% | +151 bps | |
| Efficiency Ratio | 38.44% | 69.81% | 60.52% | 56.80% | 53.53% | +1,509 bps | |
| Non-Interest Burden | -0.76% | 2.17% | 1.98% | 1.99% | 1.85% | +261 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 82.73% | 75.71% | 62.02% | 55.18% | -12.47% | -9,520 bps | |
| Loan Growth (YoY) | 34.42% | 33.75% | 30.36% | 26.98% | 0.42% | -3,399 bps | |
| Deposit Growth (YoY) | 76.85% | 75.26% | 72.07% | 72.93% | -17.43% | -9,427 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.35% | 3.36% | 3.10% | 2.89% | 2.54% | -81 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.05% | -0.02% | -0.04% | -0.03% | -4 bps | |
| Allowance / Loans | 0.14% | 0.13% | 0.12% | 0.13% | 0.15% | +2 bps | |
| Allowance Coverage of NPLs | 0.0x | 0.0x | 0.0x | 0.0x | 0.1x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 20.66% | 21.81% | 22.72% | 24.37% | 25.87% | +521 bps | |
| Total Risk-Based Capital | 44.86% | 45.98% | 46.25% | 47.11% | 51.33% | +647 bps | |
| Equity / Assets | 22.52% | 23.26% | 24.10% | 25.63% | 27.08% | +456 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.11% | 95.77% | 101.02% | 107.72% | 109.59% | +1,948 bps | |
| Liquid Assets / Assets | 0.67% | 7.56% | 10.06% | 6.79% | 16.80% | +1,613 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |