La Plata, MD · Cert 5863
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.32% | 2.21% | 2.73% | 2.30% | 2.11% | 2.77% | 2.04% | 2.13% | -17 bps | |
| Return on Equity | 15.76% | 14.59% | 18.14% | 15.51% | 17.07% | 28.21% | 20.69% | 22.03% | +652 bps | |
| Net Interest Margin | 4.83% | 4.77% | 4.73% | 4.63% | 4.46% | 4.55% | 4.38% | 4.33% | -29 bps | |
| Efficiency Ratio | 36.12% | 38.61% | 32.07% | 35.38% | 37.37% | 38.02% | 38.10% | 37.43% | +205 bps | |
| Non-Interest Burden | 1.27% | 1.38% | 0.66% | 1.07% | 1.21% | 1.25% | 1.19% | 1.10% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.81% | 4.28% | 6.87% | 5.45% | 2.95% | 7.82% | 2.85% | 2.29% | -316 bps | |
| Loan Growth (YoY) | -1.73% | 0.00% | 3.17% | 5.42% | 2.16% | 6.50% | 5.53% | 8.12% | +269 bps | |
| Deposit Growth (YoY) | 9.96% | 3.10% | 5.63% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.02% | -0.01% | 0.05% | -0.01% | 0.10% | -0.01% | -0.01% | -6 bps | |
| Allowance / Loans | 2.48% | 2.46% | 2.40% | 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 | 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 | 27.57% | 27.69% | 26.59% | 26.91% | 26.39% | 25.69% | 25.36% | 24.81% | -210 bps | |
| Equity / Assets | 15.05% | 15.31% | 14.85% | 14.75% | 9.96% | 9.70% | 10.02% | 9.32% | -543 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.15% | 61.27% | 60.25% | 57.99% | 59.71% | 62.55% | 61.60% | 60.63% | +264 bps | |
| Liquid Assets / Assets | 0.24% | 0.25% | 0.24% | 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 | n/a | n/a | n/a |