Lutherville, MD · Cert 35462
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Lutherville, MD · Cert 35462
FDIC
Q2 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.75% | -1.55% | -1.05% | -1.78% | -1.77% | -5.25% | -3.65% | -2.66% | -88 bps | |
| Return on Equity | -19.25% | -17.23% | -13.22% | -24.23% | -24.80% | -84.22% | -168.61% | -125.86% | -10,163 bps | |
| Net Interest Margin | 3.52% | 3.33% | 2.33% | 2.22% | 2.11% | 2.13% | 2.19% | 2.33% | +11 bps | |
| Efficiency Ratio | 105.03% | 111.11% | 115.06% | 118.35% | 120.30% | 139.90% | 142.37% | 151.14% | +3,279 bps | |
| Non-Interest Burden | 3.71% | 3.73% | 2.72% | 2.68% | 2.60% | 3.10% | 3.23% | 3.65% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.10% | 5.56% | 11.48% | 14.83% | 8.43% | 7.17% | -5.13% | -31.23% | -4,606 bps | |
| Loan Growth (YoY) | 8.23% | 3.03% | 1.37% | -12.06% | -16.86% | -21.61% | -25.82% | -38.16% | -2,610 bps | |
| Deposit Growth (YoY) | 2.00% | 18.88% | 17.80% | 27.89% | 18.79% | 14.90% | 0.61% | -27.00% | -5,490 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 | 2.10% | 2.34% | 0.82% | 2.54% | 3.39% | 3.40% | 5.82% | 4.32% | +178 bps | |
| Allowance / Loans | 2.73% | 2.29% | 2.51% | 3.01% | 3.05% | 5.02% | 4.86% | 6.23% | +322 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 | 9.86% | 9.57% | 8.35% | 8.12% | 8.21% | 4.90% | 3.75% | 3.94% | -419 bps | |
| Equity / Assets | 8.65% | 8.44% | 7.43% | 6.38% | 6.42% | 2.57% | 1.75% | 1.99% | -439 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.58% | 101.23% | 90.32% | 76.77% | 73.19% | 69.07% | 66.60% | 65.04% | -1,173 bps | |
| Liquid Assets / Assets | 0.17% | 0.18% | 0.52% | 5.19% | 19.05% | 23.83% | 26.32% | 24.71% | +1,951 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |