Bowie, MD · Cert 32351
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 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.
Bowie, MD · Cert 32351
FDIC
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.39% | 0.38% | 0.36% | 0.31% | 0.25% | 0.37% | 0.02% | -34 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.14% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.09% | 3.06% | 3.03% | 3.02% | 2.50% | -59 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 89.89% | 89.94% | 89.59% | 90.52% | 101.43% | +1,154 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.70% | 2.67% | 2.62% | 2.64% | 2.55% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.26% | -1.19% | -2.52% | -7.87% | -4.14% | -1.47% | -7.12% | -11.66% | -378 bps | |
| Loan Growth (YoY) | -7.67% | -5.60% | -13.06% | -9.85% | -10.32% | -10.38% | -8.65% | -11.23% | -139 bps | |
| Deposit Growth (YoY) | -2.20% | -3.17% | -7.66% | -9.36% | -2.81% | 0.68% | -5.39% | -12.95% | -359 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 | n/a | n/a | n/a | 4.49% | 2.57% | 1.87% | 1.51% | 0.77% | -372 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.82% | 1.77% | 1.70% | 1.60% | 1.51% | -31 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 | n/a | n/a | n/a | 21.88% | 22.95% | 23.59% | 23.61% | 24.03% | +215 bps | |
| Equity / Assets | n/a | n/a | n/a | 13.70% | 14.06% | 14.22% | 14.79% | 15.86% | +216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.51% | 88.57% | 87.22% | 81.65% | 79.82% | 78.83% | 84.21% | 83.26% | +161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.17% | 2.69% | 0.23% | 0.16% | 0.46% | +28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |