Glen Burnie, MD · Cert 34286
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Glen Burnie, MD · Cert 34286
FDIC
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.70% | 0.74% | 0.91% | 0.94% | 0.96% | 0.97% | 1.01% | +10 bps | |
| Return on Equity | 7.85% | 8.96% | 9.39% | 11.11% | 11.29% | 11.32% | 11.41% | 11.84% | +73 bps | |
| Net Interest Margin | 3.25% | 3.25% | 3.38% | 3.72% | 3.76% | 3.86% | 3.81% | 3.83% | +11 bps | |
| Efficiency Ratio | 75.10% | 72.72% | 71.21% | 67.18% | 66.94% | 66.98% | 67.07% | 65.40% | -178 bps | |
| Non-Interest Burden | 2.23% | 2.13% | 2.15% | 2.19% | 2.21% | 2.29% | 2.26% | 2.24% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.82% | 5.69% | 7.48% | 1.86% | -0.13% | -2.31% | 7.83% | 9.67% | +781 bps | |
| Loan Growth (YoY) | 8.63% | 11.24% | 11.81% | 13.06% | 11.25% | 10.01% | 10.06% | 4.42% | -864 bps | |
| Deposit Growth (YoY) | 9.13% | 7.07% | 7.20% | 2.32% | -0.10% | -3.09% | 7.53% | 9.02% | +670 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 | 0.14% | 0.09% | 0.14% | 0.04% | 0.03% | 0.02% | 0.02% | 0.00% | -4 bps | |
| Allowance / Loans | 1.02% | 1.02% | 1.01% | 1.04% | 1.06% | 1.08% | 1.07% | 1.13% | +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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.59% | 13.35% | 13.61% | 13.80% | 13.94% | 14.10% | 14.21% | 14.82% | +102 bps | |
| Equity / Assets | 7.84% | 7.68% | 8.13% | 8.29% | 8.65% | 8.81% | 8.51% | 8.59% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.46% | 61.69% | 65.42% | 66.44% | 69.55% | 70.03% | 66.96% | 63.64% | -281 bps | |
| Liquid Assets / Assets | 8.89% | 8.28% | 7.71% | 7.55% | 7.05% | 6.76% | 6.23% | 6.01% | -155 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |