Pasadena, MD · Cert 31109
FDIC · 1 branch
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, 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.
Pasadena, MD · Cert 31109
FDIC · 1 branch
Q4 2021
Market Position · Baltimore-Columbia-Towson, MD · 2021 SOD (annual) · 0.0% share · #37 of 44 inst. · $0.0B of $104.1B
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | -0.43% | -0.28% | -0.16% | 0.11% | 0.14% | -0.09% | -2.08% | -192 bps | |
| Return on Equity | -4.76% | -3.25% | -2.15% | -1.19% | 0.83% | 1.11% | -0.74% | -17.21% | -1,602 bps | |
| Net Interest Margin | 3.20% | 3.15% | 3.17% | 3.14% | 2.84% | 2.79% | 2.81% | 2.86% | -28 bps | |
| Efficiency Ratio | 99.43% | 103.43% | 101.97% | 101.63% | 105.88% | 99.70% | 105.74% | 201% | +9,912 bps | |
| Non-Interest Burden | 3.18% | 3.26% | 3.23% | 3.20% | 3.01% | 2.78% | 2.97% | 5.78% | +258 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.71% | 2.18% | 2.88% | 2.44% | 4.41% | 6.78% | 5.36% | 0.66% | -178 bps | |
| Loan Growth (YoY) | -4.46% | -0.13% | 0.56% | -3.68% | -3.75% | -3.57% | 7.30% | 10.58% | +1,426 bps | |
| Deposit Growth (YoY) | 3.04% | 2.36% | 3.51% | 2.95% | 5.09% | 7.72% | 6.28% | 3.35% | +40 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.67% | 0.68% | 0.69% | 1.08% | 0.65% | 0.61% | 0.00% | -69 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.02% | 0.03% | -0.01% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 0.82% | 0.82% | 0.86% | 0.87% | 0.68% | 0.69% | 0.68% | 0.69% | -18 bps | |
| Allowance Coverage of NPLs | 67.0x | 1.2x | 1.3x | 1.3x | 0.6x | 1.1x | 1.1x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.10% | 12.98% | 12.85% | 12.86% | 12.74% | 12.30% | 12.06% | 10.32% | -254 bps | |
| Total Risk-Based Capital | 28.21% | 27.34% | 27.85% | 27.29% | 25.47% | 24.91% | 24.43% | 20.94% | -635 bps | |
| Equity / Assets | 13.05% | 12.95% | 12.88% | 12.86% | 12.53% | 12.24% | 12.14% | 10.54% | -233 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.59% | 85.40% | 82.20% | 78.59% | 78.39% | 76.45% | 82.99% | 84.08% | +549 bps | |
| Liquid Assets / Assets | 19.31% | 18.15% | 18.07% | 16.93% | 14.88% | 14.52% | 15.19% | 12.52% | -441 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |