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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.99% | 1.30% | 8.51% | 0.80% | 1.21% | 1.36% | 1.90% | -661 bps | |
| Return on Equity | 5.23% | 5.07% | 6.70% | 39.71% | 3.49% | 5.12% | 5.48% | 7.22% | -3,249 bps | |
| Net Interest Margin | 3.61% | 3.72% | 3.69% | 3.05% | 3.20% | 3.43% | 3.75% | 3.87% | +82 bps | |
| Efficiency Ratio | 54.82% | 51.08% | 46.21% | 32.69% | 69.81% | 51.25% | 49.72% | 45.89% | +1,319 bps | |
| Non-Interest Burden | 1.76% | 1.85% | 1.67% | -5.94% | 2.17% | 1.73% | 1.80% | 1.20% | +713 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.34% | -6.13% | 8.72% | 82.73% | 75.71% | 62.02% | 55.18% | -12.47% | -9,520 bps | |
| Loan Growth (YoY) | 80.05% | 12.77% | 11.38% | 34.42% | 33.75% | 30.36% | 26.98% | 0.42% | -3,399 bps | |
| Deposit Growth (YoY) | 17.01% | -23.74% | -14.90% | 76.85% | 75.26% | 72.07% | 72.93% | -17.43% | -9,427 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.06% | 3.56% | 3.43% | 3.35% | 3.36% | 3.10% | 2.89% | 2.54% | -81 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.16% | -0.04% | -0.08% | -0.05% | 0.00% | -0.06% | -0.03% | +5 bps | |
| Allowance / Loans | 0.12% | 0.13% | 0.12% | 0.14% | 0.13% | 0.12% | 0.13% | 0.15% | +2 bps | |
| Allowance Coverage of NPLs | 0.0x | 0.0x | 0.0x | 0.0x | 0.0x | 0.0x | 0.0x | 0.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.86% | 18.55% | 18.30% | 20.66% | 21.81% | 22.72% | 24.37% | 25.87% | +521 bps | |
| Total Risk-Based Capital | 33.05% | 32.65% | 32.42% | 44.86% | 45.98% | 46.25% | 47.11% | 51.33% | +647 bps | |
| Equity / Assets | 20.02% | 19.15% | 19.57% | 22.52% | 23.26% | 24.10% | 25.63% | 27.08% | +456 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 125.48% | 133.34% | 146.71% | 90.11% | 95.77% | 101.02% | 107.72% | 109.59% | +1,948 bps | |
| Liquid Assets / Assets | 2.10% | 3.16% | 1.35% | 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 | n/a | n/a | n/a |