Annapolis, MD · Cert 32740
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Annapolis, MD · Cert 32740
FDIC
Q1 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.84% | 0.92% | 0.82% | -0.30% | -110 bps | |
| Return on Equity | 8.25% | 8.93% | 9.76% | 8.73% | -3.47% | -1,172 bps | |
| Net Interest Margin | 3.70% | 3.70% | 3.74% | 3.63% | 3.30% | -40 bps | |
| Efficiency Ratio | 65.16% | 64.09% | 62.37% | 64.12% | 78.03% | +1,288 bps | |
| Non-Interest Burden | 2.29% | 2.23% | 2.18% | 2.18% | 2.50% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.39% | 0.81% | 0.13% | 0.90% | -0.34% | -374 bps | |
| Loan Growth (YoY) | 5.54% | 2.50% | -3.20% | -3.30% | -7.70% | -1,324 bps | |
| Deposit Growth (YoY) | 3.09% | 0.92% | -0.43% | 0.64% | 0.70% | -240 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.78% | 0.37% | 0.39% | 0.55% | 0.04% | -74 bps | |
| Allowance / Loans | 2.25% | 2.32% | 2.33% | 2.25% | 2.86% | +61 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 13.94% | 13.05% | 13.79% | 13.90% | 12.61% | -133 bps | |
| Equity / Assets | 9.71% | 9.09% | 9.37% | 9.24% | 8.34% | -138 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.73% | 86.61% | 84.01% | 79.57% | 79.50% | -723 bps | |
| Liquid Assets / Assets | 8.47% | 6.60% | 8.63% | 7.95% | 9.06% | +59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |