Owings Mills, MD · Cert 31263
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.65% | -2.77% | -3.31% | -4.79% | -3.53% | -2.66% | -3.44% | -3.82% | +97 bps | |
| Return on Equity | -44.83% | -46.27% | -57.63% | -93.13% | -72.41% | -78.13% | -114.34% | -146.62% | -5,349 bps | |
| Net Interest Margin | 2.77% | 2.20% | 2.01% | 1.80% | 1.83% | 2.05% | 2.11% | 2.22% | +42 bps | |
| Efficiency Ratio | 120.57% | 192.43% | 219% | 258% | 176.66% | 151.14% | 308% | 347% | +8,860 bps | |
| Non-Interest Burden | 3.33% | 3.49% | 3.57% | 3.57% | 3.16% | 3.11% | 4.34% | 4.82% | +125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.02% | 4.41% | 0.64% | 1.39% | -8.99% | -11.42% | -10.53% | -18.31% | -1,970 bps | |
| Loan Growth (YoY) | 5.41% | -2.33% | -9.07% | -10.73% | -14.90% | -17.51% | -17.36% | -18.21% | -748 bps | |
| Deposit Growth (YoY) | -0.45% | 2.36% | 2.35% | 6.31% | -6.21% | -9.57% | -8.28% | -13.17% | -1,948 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 | 2.88% | 1.88% | 2.97% | 3.41% | 3.76% | 6.51% | 3.64% | 3.33% | -8 bps | |
| Allowance / Loans | 2.82% | 2.90% | 2.70% | 3.58% | 3.96% | 3.11% | 3.47% | 3.54% | -4 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 9.53% | 8.84% | 8.35% | 5.88% | 6.37% | 5.71% | 4.38% | 2.81% | -306 bps | |
| Equity / Assets | 6.36% | 5.64% | 5.21% | 3.32% | 3.69% | 3.11% | 2.20% | 1.25% | -207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.57% | 94.77% | 92.67% | 88.66% | 89.44% | 86.45% | 83.49% | 83.51% | -514 bps | |
| Liquid Assets / Assets | 0.03% | 0.04% | 0.18% | 8.98% | 3.54% | 3.97% | 6.28% | 2.11% | -688 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |