Baltimore, MD · Cert 32327
FDIC · 4 branches
Q3 2017
Market Position · Baltimore-Columbia-Towson, MD · 2017 SOD (annual) · 0.1% share · #39 of 56 inst. · $0.1B 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.65% | -0.93% | -1.08% | -0.87% | -1.84% | -119 bps | |
| Return on Equity | -3.07% | -4.40% | -5.17% | -4.18% | -8.86% | -579 bps | |
| Net Interest Margin | 2.05% | 2.04% | 1.87% | 1.91% | 1.95% | -10 bps | |
| Efficiency Ratio | 129.97% | 128.90% | 153.27% | 142.51% | 188.50% | +5,853 bps | |
| Non-Interest Burden | 2.71% | 2.67% | 2.95% | 2.77% | 3.83% | +112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.58% | -6.30% | -5.89% | -3.83% | -4.71% | +87 bps | |
| Loan Growth (YoY) | -6.69% | -11.48% | -10.70% | -7.75% | -7.83% | -114 bps | |
| Deposit Growth (YoY) | -6.63% | -6.76% | -6.13% | -3.47% | -3.73% | +290 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.11% | 1.39% | 2.77% | +277 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.23% | +23 bps | |
| Allowance / Loans | 0.67% | 0.71% | 0.72% | 0.72% | 0.55% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 6.2x | 0.5x | 0.2x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 21.73% | 21.27% | 21.46% | 21.44% | 20.85% | -88 bps | |
| Total Risk-Based Capital | 76.47% | 76.74% | 75.12% | 76.69% | 74.99% | -148 bps | |
| Equity / Assets | 21.66% | 21.00% | 20.78% | 20.63% | 20.47% | -119 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 24.80% | 23.59% | 23.30% | 22.99% | 23.74% | -105 bps | |
| Liquid Assets / Assets | 50.85% | 49.07% | 46.43% | 45.71% | 42.52% | -833 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |