Baltimore, MD · Cert 32341
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 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 32341
FDIC
Q4 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.39% | 0.36% | 0.39% | 0.25% | 0.36% | 0.47% | 0.42% | +3 bps | |
| Return on Equity | 4.60% | 3.89% | 3.58% | 3.83% | 2.38% | 3.51% | 4.53% | 4.07% | +25 bps | |
| Net Interest Margin | 3.12% | 3.09% | 3.08% | 3.11% | 3.04% | 3.04% | 3.08% | 3.13% | +2 bps | |
| Efficiency Ratio | 78.61% | 77.22% | 77.78% | 76.05% | 82.71% | 79.28% | 75.44% | 78.38% | +233 bps | |
| Non-Interest Burden | 2.34% | 2.29% | 2.31% | 2.28% | 2.45% | 2.33% | 2.24% | 2.38% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.31% | 2.45% | 3.64% | 0.55% | 0.93% | -0.76% | -4.11% | -6.01% | -656 bps | |
| Loan Growth (YoY) | -5.49% | -5.52% | -7.02% | -7.27% | -9.46% | -7.08% | -3.45% | -2.72% | +454 bps | |
| Deposit Growth (YoY) | 3.27% | 2.07% | 3.20% | 1.09% | 0.37% | -0.74% | -3.94% | -6.03% | -712 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 | -0.02% | 0.24% | 0.19% | 0.29% | 0.49% | 0.26% | 0.20% | 0.14% | -15 bps | |
| Allowance / Loans | 1.23% | 1.08% | 1.07% | 1.06% | 1.12% | 1.07% | 1.04% | 1.07% | +1 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 | 17.60% | 17.77% | 17.80% | 18.28% | 19.05% | 18.82% | 18.61% | 19.00% | +71 bps | |
| Equity / Assets | 10.18% | 10.14% | 10.44% | 10.50% | 10.57% | 10.05% | 10.16% | 10.47% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.54% | 60.38% | 59.49% | 58.54% | 56.42% | 56.52% | 59.80% | 60.60% | +206 bps | |
| Liquid Assets / Assets | 7.83% | 8.24% | 6.28% | 7.48% | 5.52% | 4.14% | 2.46% | 2.26% | -522 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |