Baltimore, MD · Cert 32334
FDIC · 4 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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 32334
FDIC · 4 branches
Q4 2014
Market Position · Baltimore-Columbia-Towson, MD · 2014 SOD (annual) · 0.2% share · #37 of 69 inst. · $0.1B of $64.5B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.07% | 0.07% | 0.08% | 0.07% | 0.07% | 0.06% | 0.07% | -1 bps | |
| Return on Equity | 0.57% | 0.81% | 0.85% | 0.93% | 0.91% | 0.80% | 0.72% | 0.78% | -15 bps | |
| Net Interest Margin | 2.31% | 2.33% | 2.39% | 2.41% | 2.55% | 2.57% | 2.60% | 2.62% | +21 bps | |
| Efficiency Ratio | 98.68% | 96.71% | 96.41% | 95.85% | 97.49% | 96.68% | 97.15% | 97.09% | +123 bps | |
| Non-Interest Burden | 2.28% | 2.25% | 2.30% | 2.31% | 2.48% | 2.48% | 2.53% | 2.54% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.45% | -4.57% | -4.99% | -3.51% | -3.85% | -6.00% | -6.67% | -7.39% | -388 bps | |
| Loan Growth (YoY) | -1.60% | 1.11% | 0.57% | 1.93% | -1.41% | -3.18% | -4.93% | -7.88% | -981 bps | |
| Deposit Growth (YoY) | -3.87% | -5.45% | -4.83% | -4.13% | -3.73% | -5.85% | -7.44% | -7.66% | -353 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 | -0.03% | -0.01% | 0.14% | 0.11% | -0.06% | 0.13% | 0.09% | 0.11% | 0 bps | |
| Allowance / Loans | 1.08% | 1.09% | 1.00% | 1.01% | 1.05% | 1.00% | 1.03% | 1.02% | 0 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 | 19.10% | 19.09% | 19.38% | 19.49% | 20.14% | 20.05% | 20.74% | 21.04% | +155 bps | |
| Equity / Assets | 8.42% | 7.96% | 8.09% | 7.96% | 8.32% | 8.75% | 8.94% | 9.26% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.93% | 62.91% | 62.91% | 64.30% | 63.42% | 64.70% | 64.62% | 64.14% | -15 bps | |
| Liquid Assets / Assets | 8.56% | 8.28% | 6.81% | 6.47% | 9.63% | 6.28% | 6.45% | 7.93% | +146 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |