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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.26% | 0.42% | 0.24% | 0.42% | -8 bps | |
| Return on Equity | 3.55% | 1.86% | 2.95% | 1.66% | 2.85% | -70 bps | |
| Net Interest Margin | 2.63% | 2.47% | 2.55% | 2.45% | 2.47% | -16 bps | |
| Efficiency Ratio | 66.64% | 81.26% | 72.20% | 78.69% | 71.14% | +450 bps | |
| Non-Interest Burden | 1.73% | 2.02% | 1.86% | 1.97% | 1.75% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.70% | -0.83% | 0.84% | -1.58% | -4.05% | -235 bps | |
| Loan Growth (YoY) | -1.52% | -1.36% | -1.39% | -4.82% | -6.56% | -505 bps | |
| Deposit Growth (YoY) | -2.02% | -1.23% | 0.56% | -2.12% | -5.35% | -333 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 3.56% | 3.98% | 2.52% | +252 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.43% | 0.06% | 0.26% | 0.11% | +7 bps | |
| Allowance / Loans | 0.83% | 0.76% | 0.76% | 0.74% | 0.74% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.2x | 0.2x | 0.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.35% | 14.27% | 14.41% | 14.66% | 15.06% | +72 bps | |
| Total Risk-Based Capital | 34.23% | 35.31% | 35.92% | 36.49% | 36.85% | +262 bps | |
| Equity / Assets | 14.12% | 14.16% | 14.16% | 14.63% | 15.00% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.06% | 69.52% | 67.91% | 69.38% | 70.15% | -91 bps | |
| Liquid Assets / Assets | 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 |