Baltimore, MD · Cert 31286
FDIC · 15 branches
Q4 2017
Market Position · Baltimore-Columbia-Towson, MD · 2017 SOD (annual) · 1.1% share · #12 of 56 inst. · $0.8B 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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | -0.27% | -0.32% | -0.26% | -0.24% | -35 bps | |
| Return on Equity | 1.03% | -2.65% | -3.08% | -2.55% | -2.39% | -342 bps | |
| Net Interest Margin | 3.05% | 3.05% | 3.05% | 3.08% | 3.09% | +4 bps | |
| Efficiency Ratio | 92.12% | 100.34% | 102.75% | 101.41% | 100.00% | +788 bps | |
| Non-Interest Burden | 2.63% | 3.11% | 3.22% | 3.19% | 3.13% | +50 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.65% | 3.44% | -0.96% | 6.85% | 1.67% | -398 bps | |
| Loan Growth (YoY) | 17.04% | 14.57% | 6.47% | 11.24% | 4.22% | -1,282 bps | |
| Deposit Growth (YoY) | 0.61% | -0.66% | 0.10% | -4.42% | -4.72% | -534 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 2.42% | 2.42% | 2.71% | 2.25% | +225 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.05% | 0.10% | 0.12% | 0.16% | -7 bps | |
| Allowance / Loans | 0.55% | 0.61% | 0.56% | 0.56% | 0.58% | +3 bps | |
| Allowance Coverage of NPLs | n/a | 0.3x | 0.2x | 0.2x | 0.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.44% | 9.08% | 9.02% | 8.89% | 8.88% | -56 bps | |
| Total Risk-Based Capital | 12.77% | 12.41% | 11.76% | 11.82% | 11.81% | -96 bps | |
| Equity / Assets | 10.27% | 10.31% | 10.20% | 10.01% | 9.97% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.31% | 88.04% | 91.70% | 97.09% | 100.98% | +867 bps | |
| Liquid Assets / Assets | 1.18% | 2.02% | 1.24% | 2.48% | 1.56% | +38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |