Baltimore, MD · Cert 29945
FDIC · 2 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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 29945
FDIC · 2 branches
Q1 2016
Market Position · Baltimore-Columbia-Towson, MD · 2015 SOD (annual) · 0.0% share · #55 of 65 inst. · $0.0B of $67.4B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.34%1 | 0.05%1 | -0.35% | -0.50% | -0.58% | -0.45% | -2.62% | -226 bps | |
| Return on Equity | 0.45% | 2.20% | 0.31% | -2.25% | -3.24% | -3.74% | -2.92% | -16.87% | -1,462 bps | |
| Net Interest Margin | 3.40% | 3.54% | 3.42% | 3.26% | 3.22% | 3.32% | 3.28% | 3.53% | +27 bps | |
| Efficiency Ratio | 97.95% | 99.90% | 108.49% | 128.57% | 123.99% | 123.12% | 117.77% | 172.07% | +4,350 bps | |
| Non-Interest Burden | 3.33% | 3.53% | 3.72% | 4.21% | 4.01% | 4.11% | 3.88% | 6.11% | +191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.75% | -5.37% | -4.62% | -3.34% | -0.94% | -1.36% | -1.06% | -7.83% | -449 bps | |
| Loan Growth (YoY) | -1.76% | -9.47% | -4.76% | 1.29% | 9.17% | 21.15% | 15.47% | 13.28% | +1,200 bps | |
| Deposit Growth (YoY) | -11.06% | -9.36% | -8.33% | -5.01% | 3.10% | -3.88% | -2.92% | -8.12% | -311 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.73% | 0.53% | -0.04% | -0.04% | 0.28% | 0.22% | 1.25% | +130 bps | |
| Allowance / Loans | 1.32% | 0.85% | 0.84% | 0.80% | 0.77% | 0.52% | 0.60% | 0.27% | -54 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 15.25% | 14.86% | 15.19% | 14.86% | 14.85% | -40 bps | |
| Total Risk-Based Capital | 35.90% | 37.48% | 35.71% | 32.25% | 32.74% | 31.21% | 29.45% | 29.53% | -272 bps | |
| Equity / Assets | 15.90% | 15.98% | 15.93% | 15.50% | 15.18% | 15.25% | 15.39% | 15.62% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.17% | 82.37% | 85.27% | 88.35% | 90.18% | 103.82% | 101.42% | 108.93% | +2,058 bps | |
| Liquid Assets / Assets | 11.47% | 16.73% | 18.95% | 15.33% | 10.39% | 9.24% | 6.75% | 4.52% | -1,081 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |