Lutherville, MD · Cert 35462
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.35% | -0.92% | -1.05% | -2.46% | -1.68% | -15.70% | -3.65% | -1.44% | +103 bps | |
| Return on Equity | -26.46% | -10.80% | -13.22% | -35.71% | -26.18% | -347% | -168.61% | -77.47% | -4,176 bps | |
| Net Interest Margin | 3.35% | 2.86% | 2.33% | 2.17% | 2.08% | 2.08% | 2.19% | 2.08% | -8 bps | |
| Efficiency Ratio | 108.85% | 133.55% | 115.06% | 121.63% | 124.22% | 202% | 142.37% | 162.16% | +4,054 bps | |
| Non-Interest Burden | 3.67% | 3.89% | 2.72% | 2.71% | 2.66% | 4.45% | 3.23% | 3.51% | +80 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 | 4.12% | 3.16% | 0.82% | 4.17% | 4.58% | 2.97% | 5.82% | 0.90% | -327 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 |