Towson, MD · Cert 57821
FDIC · 1 branch
Q1 2019
Market Position · Baltimore-Columbia-Towson, MD · 2018 SOD (annual) · 0.1% share · #38 of 51 inst. · $0.0B of $72.5B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.55% | -0.58% | -0.93% | -1.56% | -1.88% | -3.19% | -5.15% | -32.74% | -3,118 bps | |
| Return on Equity | -7.07% | -7.60% | -12.45% | -24.85% | -29.59% | -48.99% | -73.45% | -128.69% | -10,385 bps | |
| Net Interest Margin | 2.41% | 2.39% | 2.36% | 1.89% | 1.77% | 1.84% | 2.33% | 0.76% | -112 bps | |
| Efficiency Ratio | 135.39% | 132.40% | 147.68% | 181.41% | 202% | 252% | n/a | 4262% | +408,013 bps | |
| Non-Interest Burden | 3.23% | 3.15% | 3.46% | 3.44% | 3.66% | 4.49% | 9.03% | 69.64% | +6,620 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.52% | 5.91% | 6.38% | 7.01% | -13.63% | -33.64% | -81.84% | -97.57% | -10,459 bps | |
| Loan Growth (YoY) | 8.30% | -3.76% | -9.98% | -14.18% | -42.29% | -69.76% | -98.76% | -99.26% | -8,508 bps | |
| Deposit Growth (YoY) | 22.18% | 15.66% | 11.73% | 17.06% | -0.88% | -21.95% | -80.69% | -100.00% | -11,706 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.85% | 1.80% | 1.40% | 1.50% | 4.58% | 4.37% | 56.05% | 100.00% | +9,850 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.40% | 63.67% | 0.00% | 0 bps | |
| Allowance / Loans | 0.97% | 0.99% | 0.95% | 1.02% | 1.53% | 2.70% | 0.00% | 0.00% | -102 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 0.7x | 0.7x | 0.3x | 0.6x | 0.0x | 0.0x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.68% | 7.50% | 6.80% | 6.34% | 6.25% | 6.12% | 6.07% | 44.91% | +3,857 bps | |
| Total Risk-Based Capital | 12.69% | 12.68% | 12.51% | 12.69% | 18.53% | 30.81% | 269% | 275% | +26,236 bps | |
| Equity / Assets | 7.54% | 7.31% | 6.71% | 5.87% | 6.50% | 7.21% | 16.81% | 87.91% | +8,204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.99% | 89.61% | 83.58% | 70.13% | 54.14% | 34.72% | 5.35% | n/a | n/a | |
| Liquid Assets / Assets | 15.66% | 17.04% | 21.32% | 28.50% | 38.56% | 68.42% | 93.91% | 77.13% | +4,863 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |