Baltimore, MD · Cert 32407
FDIC · 1 branch
Q3 2015
Market Position · Baltimore-Columbia-Towson, MD · 2015 SOD (annual) · 0.0% share · #59 of 65 inst. · $0.0B 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 | 0.38% | 0.06% | 0.50% | 0.54% | 0.17% | -1.03% | -0.17% | -0.76% | -130 bps | |
| Return on Equity | 1.89% | 0.32% | 2.47% | 2.64% | 0.83% | -4.94% | -0.80% | -3.63% | -628 bps | |
| Net Interest Margin | 4.07% | 3.79% | 3.96% | 3.84% | 3.78% | 3.28% | 3.32% | 3.28% | -56 bps | |
| Efficiency Ratio | 86.85% | 96.64% | 81.33% | 78.81% | 92.03% | 117.00% | 103.00% | 121.50% | +4,269 bps | |
| Non-Interest Burden | 3.53% | 3.67% | 3.21% | 3.02% | 3.48% | 3.84% | 3.42% | 3.98% | +96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.49% | -0.80% | -1.52% | 0.52% | -4.09% | -2.57% | -2.14% | -3.16% | -368 bps | |
| Loan Growth (YoY) | -7.00% | -7.48% | -7.72% | -5.10% | -13.29% | -12.23% | -14.81% | -15.26% | -1,016 bps | |
| Deposit Growth (YoY) | -3.43% | -1.13% | -2.12% | 0.47% | -5.34% | -3.16% | -2.41% | -2.76% | -324 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.58% | 0.56% | 0.38% | +38 bps | |
| Allowance / Loans | 0.81% | 0.86% | 0.91% | 0.95% | 0.98% | 1.03% | 0.83% | 0.86% | -9 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 | 20.62% | 20.94% | 20.62% | n/a | |
| Total Risk-Based Capital | 41.70% | 42.10% | 40.63% | 44.62% | 44.12% | 45.52% | 47.13% | 47.35% | +273 bps | |
| Equity / Assets | 19.91% | 20.31% | 20.64% | 21.01% | 20.95% | 20.78% | 20.93% | 20.88% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.15% | 96.42% | 94.74% | 95.09% | 88.99% | 87.38% | 82.70% | 82.87% | -1,222 bps | |
| Liquid Assets / Assets | 20.20% | 21.08% | 22.58% | 22.61% | 25.76% | 26.77% | 30.13% | 30.48% | +787 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |