Baltimore, MD · Cert 29930
FDIC · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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 29930
FDIC · 1 branch
Q3 2017
Market Position · Baltimore-Columbia-Towson, MD · 2017 SOD (annual) · 0.2% share · #34 of 56 inst. · $0.1B of $72.3B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.48% | 0.41% | 0.44% | 0.39% | 0.42% | 0.33% | 0.36% | -8 bps | |
| Return on Equity | 1.61% | 3.49% | 2.93% | 3.14% | 2.82% | 2.95% | 2.31% | 2.49% | -65 bps | |
| Net Interest Margin | 2.81% | 2.72% | 2.72% | 2.68% | 2.61% | 2.55% | 2.52% | 2.53% | -15 bps | |
| Efficiency Ratio | 77.95% | 68.38% | 71.15% | 69.59% | 72.35% | 72.20% | 75.27% | 73.87% | +428 bps | |
| Non-Interest Burden | 2.24% | 1.88% | 1.98% | 1.89% | 1.91% | 1.86% | 1.93% | 1.90% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.88% | -4.38% | -2.72% | -1.70% | -0.83% | 0.84% | -1.58% | -4.05% | -235 bps | |
| Loan Growth (YoY) | -6.12% | -6.04% | -1.37% | -1.52% | -1.36% | -1.39% | -4.82% | -6.56% | -505 bps | |
| Deposit Growth (YoY) | -4.37% | -4.88% | -3.08% | -2.02% | -1.23% | 0.56% | -2.12% | -5.35% | -333 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.56% | 3.98% | 2.52% | +252 bps | |
| Net Charge-Offs / Loans | 0.37% | -0.02% | 0.07% | 0.06% | 0.15% | 0.06% | 0.16% | 0.14% | +9 bps | |
| Allowance / Loans | 0.81% | 0.85% | 0.81% | 0.83% | 0.76% | 0.76% | 0.74% | 0.74% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.2x | 0.2x | 0.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.73% | 14.08% | 14.27% | 14.35% | 14.27% | 14.41% | 14.66% | 15.06% | +72 bps | |
| Total Risk-Based Capital | 32.61% | 33.48% | 33.54% | 34.23% | 35.31% | 35.92% | 36.49% | 36.85% | +262 bps | |
| Equity / Assets | 13.62% | 13.97% | 14.11% | 14.12% | 14.16% | 14.16% | 14.63% | 15.00% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.61% | 69.25% | 71.35% | 71.06% | 69.52% | 67.91% | 69.38% | 70.15% | -91 bps | |
| Liquid Assets / Assets | 28.75% | 29.06% | 28.91% | 31.33% | 32.61% | 33.56% | 33.59% | 33.16% | +182 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |