Baltimore, MD · Cert 32369
FDIC · 1 branch
Q2 2015
Market Position · Baltimore-Columbia-Towson, MD · 2015 SOD (annual) · 0.1% share · #47 of 65 inst. · $0.1B of $67.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.40% | 0.31% | -0.66% | 0.51% | 0.75% | 0.55% | 0.61% | +128 bps | |
| Return on Equity | 3.11% | 2.69% | 2.04% | -4.39% | 3.40% | 4.94% | 3.61% | 3.97% | +836 bps | |
| Net Interest Margin | 3.62% | 3.72% | 3.54% | 3.62% | 3.81% | 3.79% | 3.63% | 3.53% | -9 bps | |
| Efficiency Ratio | 59.03% | 67.33% | 65.01% | 66.21% | 63.50% | 62.36% | 67.24% | 65.90% | -31 bps | |
| Non-Interest Burden | 2.12% | 2.50% | 2.19% | 2.32% | 2.40% | 2.35% | 2.43% | 2.31% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.55% | -2.56% | -2.89% | -2.93% | 1.08% | 1.83% | 2.82% | 1.06% | +399 bps | |
| Loan Growth (YoY) | 1.53% | 0.38% | -0.87% | -0.95% | -0.63% | 0.36% | 0.92% | 0.37% | +132 bps | |
| Deposit Growth (YoY) | -3.78% | -3.80% | -4.42% | -4.33% | -3.48% | -5.27% | -3.01% | -3.02% | +131 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 | 0.49% | 0.08% | 2.06% | 4.24% | 0.34% | 1.54% | -0.01% | 0.67% | -357 bps | |
| Allowance / Loans | 1.31% | 1.49% | 1.30% | 1.05% | 1.37% | 1.11% | 1.26% | 1.22% | +17 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 | 15.70% | 15.48% | n/a | |
| Total Risk-Based Capital | 28.24% | 28.51% | 29.09% | 28.53% | 29.22% | 29.55% | 30.97% | 29.42% | +89 bps | |
| Equity / Assets | 14.84% | 15.11% | 15.13% | 15.11% | 15.10% | 15.36% | 15.29% | 15.69% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.92% | 98.73% | 95.47% | 97.35% | 100.82% | 104.60% | 99.34% | 100.74% | +340 bps | |
| Liquid Assets / Assets | 10.92% | 10.97% | 10.81% | 15.10% | 12.29% | 12.33% | 16.07% | 15.42% | +33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |