La Plata, MD · Cert 5863
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
La Plata, MD · Cert 5863
FDIC
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.52% | 2.39% | 2.48% | 2.04% | 2.08% | -43 bps | |
| Return on Equity | 16.83% | 17.43% | 19.26% | 20.69% | 21.52% | +469 bps | |
| Net Interest Margin | 4.63% | 4.52% | 4.55% | 4.38% | 4.33% | -30 bps | |
| Efficiency Ratio | 33.67% | 34.85% | 35.62% | 38.10% | 37.76% | +409 bps | |
| Non-Interest Burden | 0.86% | 0.96% | 1.04% | 1.19% | 1.14% | +28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.45% | 2.95% | 7.82% | 2.85% | 2.29% | -316 bps | |
| Loan Growth (YoY) | 5.42% | 2.16% | 6.50% | 5.53% | 8.12% | +269 bps | |
| Deposit Growth (YoY) | 4.75% | 2.89% | 4.32% | 3.22% | 3.40% | -134 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | -0.01% | -0.01% | -3 bps | |
| Allowance / Loans | 2.44% | 2.42% | 1.75% | 1.73% | 1.72% | -72 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 26.91% | 26.39% | 25.69% | 25.36% | 24.81% | -210 bps | |
| Equity / Assets | 14.75% | 9.96% | 9.70% | 10.02% | 9.32% | -543 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.99% | 59.71% | 62.55% | 61.60% | 60.63% | +264 bps | |
| Liquid Assets / Assets | 0.23% | 0.24% | 0.18% | 0.56% | 0.97% | +74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |