Baltimore, MD · Cert 32372
FDIC · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Baltimore, MD · Cert 32372
FDIC · 2 branches
Q2 2016
Market Position · Baltimore-Columbia-Towson, MD · 2016 SOD (annual) · 0.3% share · #32 of 57 inst. · $0.2B of $70.1B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.39% | 0.39% | 0.38% | 0.33% | 0.28% | 0.51% | 0.26% | -13 bps | |
| Return on Equity | 6.74% | 3.23% | 2.95% | 2.85% | 2.38% | 2.01% | 3.51% | 1.73% | -111 bps | |
| Net Interest Margin | 2.42% | 2.45% | 2.00% | 1.94% | 2.04% | 2.04% | 1.76% | 1.81% | -12 bps | |
| Efficiency Ratio | 65.63% | 68.53% | 80.42% | 80.69% | 82.84% | 84.79% | 80.80% | 102.07% | +2,138 bps | |
| Non-Interest Burden | 1.58% | 1.66% | 1.61% | 1.53% | 1.65% | 1.70% | 1.38% | 1.86% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.45% | -13.28% | -9.95% | -10.96% | -10.24% | -8.13% | -10.67% | -9.36% | +160 bps | |
| Loan Growth (YoY) | -2.00% | -7.13% | -7.21% | -12.60% | -18.11% | -13.61% | -16.97% | -15.61% | -301 bps | |
| Deposit Growth (YoY) | -13.36% | -15.40% | -12.09% | -13.18% | -12.62% | -9.53% | -12.28% | -10.91% | +227 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 | -1.45% | -1.21% | 0.22% | -0.07% | -0.04% | -0.05% | -0.82% | -0.61% | -54 bps | |
| Allowance / Loans | 2.44% | 2.64% | 2.59% | 2.72% | 2.95% | 2.98% | 3.10% | 2.74% | +2 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 | 13.27% | 13.63% | 14.24% | 14.76% | 13.85% | 14.24% | +61 bps | |
| Total Risk-Based Capital | 31.78% | 35.92% | 37.25% | 39.55% | 42.84% | 45.12% | 48.67% | 51.77% | +1,222 bps | |
| Equity / Assets | 12.44% | 13.23% | 13.49% | 13.83% | 14.34% | 14.34% | 15.00% | 15.23% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.26% | 30.88% | 30.99% | 30.82% | 29.29% | 29.49% | 29.34% | 29.20% | -163 bps | |
| Liquid Assets / Assets | 33.02% | 33.54% | 38.40% | 40.16% | 45.68% | 50.21% | 53.47% | 56.85% | +1,669 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |