Laurel, MD · Cert 4852
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Laurel, MD · Cert 4852
FDIC
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.60% | 1.59% | 1.43% | 1.48% | 1.46% | 1.45% | 1.43% | 1.52% | +4 bps | |
| Return on Equity | 14.01% | 13.95% | 12.65% | 13.17% | 12.94% | 12.94% | 12.97% | 13.66% | +49 bps | |
| Net Interest Margin | 3.90% | 3.87% | 3.77% | 3.74% | 3.70% | 3.58% | 3.55% | 3.62% | -12 bps | |
| Efficiency Ratio | 42.46% | 42.86% | 52.17% | 47.32% | 47.32% | 47.22% | 48.73% | 45.82% | -150 bps | |
| Non-Interest Burden | 1.36% | 1.37% | 1.76% | 1.52% | 1.50% | 1.44% | 1.46% | 1.36% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.98% | 9.87% | 7.63% | 6.09% | 6.22% | 8.13% | 8.26% | 7.35% | +126 bps | |
| Loan Growth (YoY) | 13.86% | 11.08% | 8.52% | 6.91% | 7.71% | 8.31% | 6.36% | 3.70% | -320 bps | |
| Deposit Growth (YoY) | 10.57% | 11.43% | 10.99% | 7.31% | 4.95% | 10.24% | 7.44% | 8.46% | +115 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 | 0.02% | 0.00% | 0.03% | 0.02% | 0.02% | 0.03% | -0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.08% | 1.08% | 0.96% | 0.94% | 0.90% | 0.86% | 0.85% | 0.79% | -15 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 | 13.36% | 13.33% | 13.36% | 13.16% | 12.89% | 12.80% | 13.15% | 13.67% | +52 bps | |
| Equity / Assets | 11.30% | 11.31% | 11.29% | 11.19% | 11.20% | 10.96% | 11.15% | 11.35% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.69% | 99.61% | 98.42% | 100.35% | 100.27% | 97.87% | 97.43% | 95.95% | -440 bps | |
| Liquid Assets / Assets | 0.15% | 0.18% | 0.13% | 0.12% | 0.36% | 0.13% | 0.13% | 0.10% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |