Owings Mills, MD · Cert 32370
FDIC · 4 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Owings Mills, MD · Cert 32370
FDIC · 4 branches
Q3 2015
Market Position · Baltimore-Columbia-Towson, MD · 2015 SOD (annual) · 0.2% share · #39 of 65 inst. · $0.1B of $67.4B
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.06% | 0.27% | 0.32% | 0.03% | 0.11% | 0.19% | 0.10% | -22 bps | |
| Return on Equity | 3.60% | 0.67% | 3.02% | 3.46% | 0.33% | 1.11% | 1.98% | 0.99% | -247 bps | |
| Net Interest Margin | 3.38% | 3.38% | 3.46% | 3.55% | 3.60% | 3.60% | 3.68% | 3.68% | +13 bps | |
| Efficiency Ratio | 98.35% | 98.37% | 93.07% | 91.96% | 92.83% | 95.27% | 94.66% | 97.22% | +526 bps | |
| Non-Interest Burden | 3.32% | 3.32% | 3.19% | 3.23% | 3.32% | 3.42% | 3.47% | 3.57% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.92% | -5.48% | -1.71% | -6.38% | -4.43% | -2.39% | -5.74% | -2.85% | +353 bps | |
| Loan Growth (YoY) | 1.12% | -2.48% | 5.83% | 5.00% | -0.40% | 0.33% | -3.94% | -2.52% | -752 bps | |
| Deposit Growth (YoY) | -10.37% | -9.24% | -7.57% | -8.90% | -6.85% | -1.82% | -4.42% | -5.48% | +341 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 | 0.15% | -0.15% | -0.11% | -0.06% | 0.04% | -0.02% | -0.14% | -0.09% | -3 bps | |
| Allowance / Loans | 1.27% | 1.32% | 1.31% | 1.31% | 1.09% | 1.11% | 1.20% | 1.19% | -12 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 | 9.86% | 9.85% | 9.96% | n/a | |
| Total Risk-Based Capital | 14.61% | 14.83% | 15.04% | 15.39% | 15.15% | 15.24% | 14.88% | 14.73% | -66 bps | |
| Equity / Assets | 8.68% | 8.95% | 9.33% | 9.53% | 9.71% | 9.69% | 9.69% | 9.68% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.10% | 86.62% | 90.29% | 91.01% | 93.13% | 88.52% | 90.75% | 93.87% | +286 bps | |
| Liquid Assets / Assets | 2.63% | 3.49% | 2.43% | 2.73% | 1.88% | 4.20% | 2.64% | 3.95% | +122 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |