Pikesville, MD · Cert 34614
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 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.
Pikesville, MD · Cert 34614
FDIC
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.08% | -0.99% | -2.13% | -3.33% | -4.76% | -15.53% | -11.14% | -10.54% | -721 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -26.06% | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | 4.70% | 5.12% | 7.29% | 13.19% | 5.76% | 6.56% | 130.96% | +12,368 bps | |
| Efficiency Ratio | n/a | 115.22% | 136.48% | 155.10% | 178.65% | 409% | 204% | 221% | +6,555 bps | |
| Non-Interest Burden | n/a | 5.71% | 7.67% | 12.29% | 25.18% | 17.23% | 12.28% | 263% | +25,023 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.56% | -31.50% | -48.81% | -71.22% | -78.20% | -80.52% | -99.05% | -98.48% | -2,726 bps | |
| Loan Growth (YoY) | -27.09% | -16.62% | -40.55% | -54.14% | -59.00% | -69.09% | -100.00% | -100.00% | -4,586 bps | |
| Deposit Growth (YoY) | -21.33% | -34.12% | -54.27% | -84.65% | -98.55% | -98.07% | -100.00% | -100.00% | -1,535 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | 1.23% | 1.14% | 0.98% | 0.94% | 1.47% | 0.42% | n/a | n/a | |
| Allowance / Loans | n/a | 2.84% | 3.73% | 5.88% | 7.54% | 10.21% | n/a | n/a | n/a | |
| 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 | n/a | 33.84% | 37.34% | 42.87% | 55.37% | 73.72% | 0.00% | -192.31% | -23,518 bps | |
| Equity / Assets | n/a | 17.73% | 24.60% | 41.35% | 52.27% | 70.01% | 0.00% | -11.79% | -5,315 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.68% | 80.26% | 110.98% | 209% | 1799% | 1287% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 30.20% | 13.36% | 5.47% | 1.59% | 0.87% | 1.69% | 1.89% | -358 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |