Forest Hill, MD · Cert 32331
FDIC · 3 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Forest Hill, MD · Cert 32331
FDIC · 3 branches
Q4 2019
Market Position · Baltimore-Columbia-Towson, MD · 2019 SOD (annual) · 0.1% share · #33 of 49 inst. · $0.1B of $74.3B
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.64% | 0.88% | 1.60% | 0.42% | 0.22% | 0.22% | 0.15% | -144 bps | |
| Return on Equity | 0.66% | 3.97% | 5.48% | 9.73% | 2.33% | 1.22% | 1.20% | 0.83% | -890 bps | |
| Net Interest Margin | 2.53% | 2.78% | 2.84% | 2.77% | 2.44% | 2.44% | 2.42% | 2.46% | -31 bps | |
| Efficiency Ratio | 96.10% | 88.70% | 86.16% | 87.28% | 95.59% | 97.50% | 98.94% | 99.73% | +1,245 bps | |
| Non-Interest Burden | 2.42% | 2.44% | 2.41% | 2.38% | 2.31% | 2.37% | 2.38% | 2.44% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.22% | 6.00% | 8.99% | 2.15% | -0.38% | -2.13% | -4.15% | -7.09% | -923 bps | |
| Loan Growth (YoY) | 15.44% | 14.29% | 13.14% | 6.27% | 1.32% | -1.73% | -0.95% | -1.99% | -825 bps | |
| Deposit Growth (YoY) | 4.12% | -0.60% | 2.85% | -4.95% | -4.38% | -2.93% | -3.68% | -7.17% | -222 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.80% | 0.81% | 0.57% | 0.52% | 0.46% | 0.46% | 0.45% | 0.25% | -26 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.58% | -0.79% | -0.69% | -0.64% | -0.32% | -0.38% | -0.29% | +40 bps | |
| Allowance / Loans | 1.33% | 1.35% | 1.35% | 1.28% | 1.32% | 1.32% | 1.30% | 1.32% | +4 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.7x | 2.4x | 2.5x | 2.8x | 2.8x | 2.9x | 5.2x | +2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.47% | 16.88% | 17.10% | 17.70% | 17.79% | 18.10% | 18.31% | 18.78% | +107 bps | |
| Total Risk-Based Capital | 31.15% | 31.49% | 31.59% | 32.83% | 33.60% | 34.98% | 34.16% | 34.97% | +215 bps | |
| Equity / Assets | 15.89% | 16.05% | 16.36% | 17.63% | 18.18% | 18.50% | 19.02% | 19.67% | +204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.00% | 97.31% | 97.79% | 98.26% | 97.47% | 98.52% | 100.56% | 103.75% | +549 bps | |
| Liquid Assets / Assets | 14.92% | 15.26% | 13.98% | 12.39% | 14.83% | 16.58% | 12.93% | 12.40% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |