Bel Air, MD · Cert 32368
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.05% | -1.98% | -2.43% | -1.97% | -1.30% | +176 bps | |
| Return on Equity | -85.18% | -62.56% | -85.66% | -82.43% | -60.55% | +2,463 bps | |
| Net Interest Margin | 2.51% | 2.40% | 2.07% | 1.96% | 2.06% | -45 bps | |
| Efficiency Ratio | 340% | 185.37% | 198.44% | 190.85% | 145.74% | -19,395 bps | |
| Non-Interest Burden | 5.16% | 4.38% | 4.42% | 3.92% | 3.35% | -181 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.59% | -13.36% | -13.61% | -10.95% | -11.24% | +235 bps | |
| Loan Growth (YoY) | -16.41% | -16.66% | -18.96% | -15.32% | -13.04% | +337 bps | |
| Deposit Growth (YoY) | -11.09% | -11.08% | -11.43% | -11.25% | -12.26% | -117 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.47% | 0.02% | 3.36% | 0.98% | -0.56% | -403 bps | |
| Allowance / Loans | 4.60% | 4.76% | 4.32% | 4.06% | 4.34% | -25 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 6.66% | 6.86% | 6.01% | 5.14% | 5.13% | -153 bps | |
| Equity / Assets | 3.23% | 3.09% | 2.58% | 2.18% | 2.09% | -113 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.40% | 83.18% | 79.99% | 83.57% | 82.65% | -75 bps | |
| Liquid Assets / Assets | 25.00% | 25.18% | 26.22% | 23.35% | 24.43% | -57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |