North East, MD · Cert 4856
FDIC
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.70% | 0.61% | 0.48% | 0.63% | 0.45% | 0.49% | 0.15% | -33 bps | |
| Return on Equity | 6.42% | 9.79% | 8.41% | 6.80% | 9.18% | 6.40% | 4.48% | 1.13% | -567 bps | |
| Net Interest Margin | 3.23% | 3.26% | 3.30% | 3.32% | 3.24% | 3.44% | 3.26% | 3.19% | -13 bps | |
| Efficiency Ratio | 80.72% | 78.50% | 75.49% | 79.37% | 72.19% | 75.28% | 76.34% | 89.13% | +977 bps | |
| Non-Interest Burden | 2.44% | 2.36% | 2.25% | 2.45% | 2.07% | 2.39% | 2.31% | 2.89% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.45% | 15.43% | 14.44% | 15.32% | 7.68% | 7.01% | 81.06% | 62.62% | +4,730 bps | |
| Loan Growth (YoY) | 1.08% | 10.25% | 10.17% | 11.85% | 12.32% | 14.60% | 87.20% | 80.28% | +6,843 bps | |
| Deposit Growth (YoY) | 17.52% | 15.98% | 15.05% | 13.05% | 7.30% | 6.58% | 69.19% | 54.12% | +4,107 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 | -0.04% | -0.04% | 0.03% | 0.33% | 0.06% | 0.19% | 0.14% | 0.01% | -32 bps | |
| Allowance / Loans | 0.88% | 0.90% | 0.91% | 0.84% | 0.84% | 0.90% | 0.95% | 0.98% | +14 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 | 13.04% | 13.24% | 13.47% | 12.99% | 12.57% | 12.67% | 12.42% | 12.91% | -7 bps | |
| Equity / Assets | 7.05% | 7.23% | 7.27% | 6.78% | 6.92% | 7.24% | 12.96% | 13.29% | +651 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.92% | 59.47% | 60.45% | 57.94% | 60.63% | 63.95% | 66.88% | 67.77% | +984 bps | |
| Liquid Assets / Assets | 0.32% | 0.70% | 0.07% | 0.15% | 0.43% | 0.13% | 0.87% | 0.40% | +24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |