Baltimore, MD · Cert 31372
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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 31372
FDIC
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.73% | 0.25% | 0.26% | 0.38% | 0.09% | -0.40% | -0.26% | -0.16% | -55 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -4.14% | -2.65% | -1.64% | n/a | |
| Net Interest Margin | n/a | 4.30% | 4.49% | 4.40% | 4.42% | 4.10% | 4.21% | 4.35% | -6 bps | |
| Efficiency Ratio | n/a | 86.81% | 86.18% | 87.49% | 89.55% | 115.56% | 109.42% | 110.01% | +2,252 bps | |
| Non-Interest Burden | n/a | 3.70% | 3.84% | 3.82% | 3.94% | 4.78% | 4.67% | 4.85% | +103 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.87% | -13.07% | -14.63% | -12.82% | -7.60% | -8.48% | -9.16% | -11.56% | +126 bps | |
| Loan Growth (YoY) | -7.10% | -11.47% | -14.37% | -13.59% | -13.42% | -13.05% | -14.66% | -16.08% | -248 bps | |
| Deposit Growth (YoY) | -14.08% | -13.34% | -15.38% | -13.27% | -8.93% | -9.77% | -10.51% | -13.40% | -13 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 | n/a | 0.31% | 0.37% | 0.30% | 0.38% | 0.02% | 0.14% | 0.24% | -7 bps | |
| Allowance / Loans | n/a | 1.76% | 1.82% | 1.64% | 1.61% | 1.67% | 1.70% | 1.47% | -17 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 | n/a | 13.44% | 14.01% | 14.67% | 14.56% | 15.03% | 15.12% | 15.32% | +65 bps | |
| Equity / Assets | n/a | 9.05% | 9.28% | 9.70% | 9.58% | 9.83% | 9.86% | 10.23% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.81% | 96.39% | 94.63% | 96.28% | 92.98% | 92.88% | 90.25% | 93.30% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 1.76% | 1.83% | 1.43% | 1.37% | 1.44% | 1.85% | 1.89% | +46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |