Sparks, MD · Cert 5868
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Sparks, MD · Cert 5868
FDIC
Q1 2002
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.37% | 2.41% | 2.38% | 2.24% | 2.24% | 2.24% | 2.20% | 2.09% | -15 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.49% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.77% | 4.74% | 4.63% | 4.60% | 4.50% | -27 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 35.50% | 35.02% | 34.74% | 36.68% | 35.83% | +33 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 1.42% | 1.37% | 1.31% | 1.36% | 1.32% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.90% | 3.12% | 6.63% | 6.50% | 8.37% | 13.65% | 8.90% | 11.03% | +452 bps | |
| Loan Growth (YoY) | 9.20% | 8.38% | 6.59% | 7.83% | 9.83% | 8.97% | 4.73% | -2.21% | -1,004 bps | |
| Deposit Growth (YoY) | 4.71% | 5.55% | 7.98% | 7.08% | 7.67% | 9.40% | 8.32% | 6.17% | -91 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 | n/a | n/a | n/a | -0.03% | 0.01% | 0.00% | -0.01% | 0.12% | +15 bps | |
| Allowance / Loans | n/a | n/a | n/a | 2.04% | 2.01% | 2.01% | 2.09% | 2.17% | +13 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 | n/a | n/a | n/a | 18.02% | 17.92% | 17.61% | 18.23% | 18.78% | +76 bps | |
| Equity / Assets | n/a | n/a | n/a | 12.48% | 12.30% | 12.16% | 12.34% | 14.60% | +212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.10% | 99.30% | 96.58% | 98.50% | 98.03% | 98.91% | 93.37% | 90.73% | -778 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.35% | 0.35% | 0.47% | 0.48% | 0.49% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |