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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.16% | 1.37% | 3.72% | 0.42% | 0.02% | 0.21% | -0.05% | -377 bps | |
| Return on Equity | 0.66% | 7.27% | 8.45% | 21.91% | 2.33% | 0.13% | 1.14% | -0.25% | -2,215 bps | |
| Net Interest Margin | 2.53% | 3.03% | 3.01% | 2.52% | 2.44% | 2.41% | 2.34% | 2.43% | -9 bps | |
| Efficiency Ratio | 96.10% | 82.45% | 81.46% | 91.06% | 95.59% | 99.47% | 101.97% | 102.16% | +1,110 bps | |
| Non-Interest Burden | 2.42% | 2.46% | 2.41% | 2.26% | 2.31% | 2.38% | 2.38% | 2.47% | +21 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% | -1.13% | -1.25% | -0.35% | -0.64% | 0.00% | -0.51% | 0.00% | +35 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 |