Bel Air, MD · Cert 32368
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.19% | -2.35% | -5.19% | -3.05% | -2.52% | -2.50% | -2.37% | -1.30% | +176 bps | |
| Return on Equity | n/a | n/a | n/a | -85.18% | -73.70% | -77.47% | -78.33% | -60.55% | +2,463 bps | |
| Net Interest Margin | 2.41% | 2.52% | 2.49% | 2.51% | 2.49% | 2.41% | 2.35% | 2.06% | -45 bps | |
| Efficiency Ratio | 101.44% | 110.36% | 114.31% | 340% | 236% | 221% | 213% | 145.74% | -19,395 bps | |
| Non-Interest Burden | 2.45% | 2.83% | 2.90% | 5.16% | 4.84% | 4.81% | 4.70% | 3.35% | -181 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.45% | -9.94% | -14.02% | -13.59% | -13.36% | -13.61% | -10.95% | -11.24% | +235 bps | |
| Loan Growth (YoY) | -11.48% | -10.08% | -10.98% | -16.41% | -16.66% | -18.96% | -15.32% | -13.04% | +337 bps | |
| Deposit Growth (YoY) | -11.01% | -10.87% | -12.77% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.22% | 5.52% | 5.65% | 3.47% | 1.80% | 2.42% | 2.05% | -0.56% | -403 bps | |
| Allowance / Loans | 4.63% | 4.82% | 5.00% | 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 | 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 | 12.45% | 11.65% | 8.08% | 6.66% | 6.86% | 6.01% | 5.14% | 5.13% | -153 bps | |
| Equity / Assets | 7.57% | 7.13% | 3.93% | 3.23% | 3.09% | 2.58% | 2.18% | 2.09% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.75% | 87.43% | 87.59% | 83.40% | 83.18% | 79.99% | 83.57% | 82.65% | -75 bps | |
| Liquid Assets / Assets | 22.02% | 22.73% | 22.09% | 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 | n/a | n/a | n/a |