Ellicott City, MD · Cert 57776
FDIC · 14 branches
Q4 2021
Market Position · Baltimore-Columbia-Towson, MD · 2021 SOD (annual) · 1.8% share · #7 of 44 inst. · $1.9B of $104.1B
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | -2.06% | -1.09% | -0.61% | 1.04% | 1.13% | 1.11% | 1.15% | +176 bps | |
| Return on Equity | 4.43% | -15.40% | -8.29% | -4.72% | 8.41% | 9.05% | 8.76% | 8.88% | +1,360 bps | |
| Net Interest Margin | 3.17% | 2.98% | 3.04% | 3.07% | 3.25% | 3.21% | 3.21% | 3.29% | +22 bps | |
| Efficiency Ratio | 63.96% | 62.12% | 60.44% | 61.36% | 51.67% | 51.08% | 52.61% | 51.85% | -952 bps | |
| Non-Interest Burden | 1.85% | 4.50% | 3.56% | 3.17% | 1.59% | 1.53% | 1.59% | 1.59% | -159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.45% | 7.33% | 11.59% | 6.87% | 4.67% | 5.50% | -1.25% | -2.43% | -930 bps | |
| Loan Growth (YoY) | 5.45% | 9.20% | 6.07% | 5.05% | 10.32% | 2.31% | 1.00% | -2.62% | -767 bps | |
| Deposit Growth (YoY) | 6.73% | 6.44% | 18.59% | 14.67% | 14.16% | 10.51% | -1.71% | -3.88% | -1,854 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.99% | 0.93% | 0.96% | 0.98% | 0.75% | 1.06% | 0.77% | 0.79% | -19 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.05% | 0.04% | 0.04% | 0.37% | 0.19% | 0.13% | 0.09% | +5 bps | |
| Allowance / Loans | 0.76% | 0.86% | 0.95% | 1.03% | 0.94% | 0.94% | 0.96% | 1.02% | -1 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.0x | 1.0x | 1.3x | 0.9x | 1.2x | 1.3x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.25% | 9.82% | 10.14% | 10.36% | 10.62% | 10.83% | 11.14% | 11.81% | +144 bps | |
| Total Risk-Based Capital | 13.06% | 14.00% | 14.10% | 14.26% | 14.41% | 14.57% | 14.95% | 16.17% | +191 bps | |
| Equity / Assets | 13.58% | 12.54% | 12.32% | 12.66% | 12.18% | 12.73% | 13.31% | 13.86% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.48% | 103.56% | 95.37% | 94.39% | 95.17% | 95.88% | 98.00% | 95.62% | +124 bps | |
| Liquid Assets / Assets | 7.48% | 2.17% | 2.46% | 2.52% | 2.73% | 2.46% | 2.03% | 4.81% | +229 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |