Pikesville, MD · Cert 34614
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -3.64% | -7.77% | -16.38% | -15.53% | 1.10% | -44.54% | -3,678 bps | |
| Return on Equity | n/a | n/a | -17.74% | -25.39% | -35.67% | -26.06% | n/a | n/a | n/a | |
| Net Interest Margin | n/a | 4.70% | 4.15% | 6.63% | 6.75% | 5.76% | 7.08% | -8.89% | -1,552 bps | |
| Efficiency Ratio | n/a | 115.22% | 171.16% | 215% | 545% | 409% | 91.80% | 221% | +600 bps | |
| Non-Interest Burden | n/a | 5.71% | 7.93% | 14.07% | 23.14% | 17.23% | 6.50% | 35.56% | +2,149 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% | 0.88% | -0.67% | 0.00% | 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 |