Annapolis, MD · Cert 35475
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Annapolis, MD · Cert 35475
FDIC
Q1 2012
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.86% | 0.73% | 0.93% | 0.93% | 0.95% | 0.95% | 1.09% | +16 bps | |
| Return on Equity | 9.72% | 8.90% | 7.45% | 9.00% | 8.97% | 9.07% | 8.94% | 9.69% | +69 bps | |
| Net Interest Margin | 4.34% | 4.48% | 4.65% | 4.92% | 4.81% | 4.85% | 4.83% | 5.13% | +20 bps | |
| Efficiency Ratio | 49.15% | 50.35% | 50.29% | 50.00% | 49.72% | 49.12% | 49.20% | 46.95% | -305 bps | |
| Non-Interest Burden | 1.83% | 2.01% | 2.07% | 2.07% | 2.06% | 2.08% | 2.10% | 2.19% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.71% | 5.49% | 1.37% | -3.34% | -0.06% | -0.58% | 2.01% | -0.82% | +252 bps | |
| Loan Growth (YoY) | 9.85% | 2.71% | -0.32% | 1.52% | -2.72% | -2.10% | -0.32% | -4.02% | -554 bps | |
| Deposit Growth (YoY) | 10.18% | 5.23% | 0.76% | -4.42% | -0.80% | -1.52% | 1.24% | -2.08% | +233 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 | 1.52% | 1.08% | 1.04% | 0.57% | 1.23% | 1.50% | 1.45% | 0.34% | -23 bps | |
| Allowance / Loans | 1.08% | 1.37% | 1.72% | 1.91% | 1.87% | 1.68% | 1.65% | 1.92% | +1 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 | 11.81% | 12.21% | 12.26% | 12.40% | 13.08% | 13.37% | 13.33% | 13.95% | +155 bps | |
| Equity / Assets | 9.69% | 10.09% | 10.32% | 10.38% | 10.41% | 10.95% | 11.06% | 11.46% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.97% | 100.12% | 101.83% | 101.97% | 96.08% | 99.52% | 100.27% | 99.95% | -202 bps | |
| Liquid Assets / Assets | 8.64% | 7.01% | 6.05% | 6.06% | 11.25% | 8.82% | 7.55% | 8.95% | +289 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |