Easton, MD · Cert 33815
FDIC · 3 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 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.
Easton, MD · Cert 33815
FDIC · 3 branches
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.66% | 0.88% | 0.68% | 0.54% | 0.56% | 0.62% | 0.27% | -41 bps | |
| Return on Equity | 6.28% | 7.10% | 9.11% | 6.90% | 5.43% | 5.50% | 5.71% | 2.49% | -441 bps | |
| Net Interest Margin | 3.77% | 3.77% | 4.00% | 3.89% | 3.85% | 3.86% | 3.54% | 3.54% | -35 bps | |
| Efficiency Ratio | 73.18% | 72.72% | 65.98% | 72.38% | 76.90% | 77.53% | 77.79% | 84.69% | +1,231 bps | |
| Non-Interest Burden | 2.58% | 2.55% | 2.42% | 2.64% | 2.82% | 2.86% | 2.61% | 2.90% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.06% | -1.42% | -2.77% | 0.79% | -0.85% | -6.92% | -6.66% | -6.43% | -721 bps | |
| Loan Growth (YoY) | -9.09% | -7.56% | -3.90% | -3.47% | -3.70% | -5.78% | -6.45% | -8.61% | -514 bps | |
| Deposit Growth (YoY) | -5.66% | -1.64% | -3.83% | 0.09% | -1.56% | -8.60% | -8.22% | -7.66% | -776 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 | 1.27% | 1.36% | 0.41% | 0.44% | 0.89% | 0.83% | 1.27% | 1.89% | +146 bps | |
| Allowance / Loans | 2.59% | 2.33% | 2.46% | 2.49% | 2.21% | 2.22% | 2.02% | 1.61% | -88 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 | 11.04% | 11.06% | n/a | |
| Total Risk-Based Capital | 14.69% | 15.03% | 15.46% | 15.84% | 16.14% | 16.58% | 16.25% | 16.16% | +32 bps | |
| Equity / Assets | 9.57% | 9.54% | 9.79% | 10.17% | 10.25% | 10.80% | 10.94% | 11.05% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.05% | 90.13% | 90.28% | 92.70% | 91.03% | 92.92% | 92.02% | 91.75% | -95 bps | |
| Liquid Assets / Assets | 7.38% | 8.87% | 8.21% | 6.50% | 7.19% | 6.99% | 7.21% | 9.25% | +274 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |