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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.50% | 0.13% | -0.51% | -0.27% | -0.36% | -0.15% | -0.19% | +32 bps | |
| Return on Equity | 2.96% | 4.65% | 1.21% | -4.74% | -2.65% | -3.50% | -1.50% | -1.89% | +285 bps | |
| Net Interest Margin | 2.92% | 3.15% | 3.14% | 2.99% | 3.05% | 3.05% | 3.24% | 3.12% | +13 bps | |
| Efficiency Ratio | 92.00% | 89.00% | 92.57% | 95.60% | 100.34% | 105.24% | 98.75% | 95.38% | -23 bps | |
| Non-Interest Burden | 2.51% | 2.38% | 2.62% | 3.00% | 3.11% | 3.34% | 3.22% | 2.95% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.38% | 18.10% | 4.18% | 5.65% | 3.44% | -0.96% | 6.85% | 1.67% | -398 bps | |
| Loan Growth (YoY) | 5.26% | 13.36% | 15.58% | 17.04% | 14.57% | 6.47% | 11.24% | 4.22% | -1,282 bps | |
| Deposit Growth (YoY) | 10.63% | 9.54% | 6.32% | 0.61% | -0.66% | 0.10% | -4.42% | -4.72% | -534 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 2.42% | 2.42% | 2.71% | 2.25% | +225 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.15% | 0.30% | 0.44% | 0.05% | 0.15% | 0.17% | 0.30% | -14 bps | |
| Allowance / Loans | 0.46% | 0.46% | 0.55% | 0.55% | 0.61% | 0.56% | 0.56% | 0.58% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.3x | 0.2x | 0.2x | 0.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.53% | 9.35% | 9.41% | 9.44% | 9.08% | 9.02% | 8.89% | 8.88% | -56 bps | |
| Total Risk-Based Capital | 14.07% | 13.85% | 14.00% | 12.77% | 12.41% | 11.76% | 11.82% | 11.81% | -96 bps | |
| Equity / Assets | 10.99% | 10.71% | 11.34% | 10.27% | 10.31% | 10.20% | 10.01% | 9.97% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.33% | 86.21% | 83.42% | 92.31% | 88.04% | 91.70% | 97.09% | 100.98% | +867 bps | |
| Liquid Assets / Assets | 1.72% | 1.15% | 1.32% | 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 | n/a | n/a | n/a |