Lutherville Timonium, MD · Cert 59004
FDIC · 12 branches
Q1 2018
Market Position · Baltimore-Columbia-Towson, MD · 2017 SOD (annual) · 0.7% share · #15 of 56 inst. · $0.5B of $72.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.80% | 1.41% | 0.41% | 0.89% | +27 bps | |
| Return on Equity | 5.94% | 7.60% | 13.18% | 3.83% | 8.19% | +225 bps | |
| Net Interest Margin | 3.77% | 4.05% | 4.11% | 4.15% | 4.07% | +29 bps | |
| Efficiency Ratio | 68.10% | 64.49% | 53.57% | 67.82% | 67.10% | -100 bps | |
| Non-Interest Burden | 2.46% | 2.39% | 1.55% | 2.67% | 2.63% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 36.63% | 30.32% | 7.45% | 6.21% | 3.66% | -3,297 bps | |
| Loan Growth (YoY) | 23.89% | 21.28% | 8.33% | 11.18% | 10.83% | -1,307 bps | |
| Deposit Growth (YoY) | 43.85% | 47.83% | 3.26% | 8.87% | 4.10% | -3,975 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.03% | 2.54% | 1.89% | 1.97% | 1.72% | -131 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | -0.10% | 0.20% | 0.05% | -4 bps | |
| Allowance / Loans | 0.64% | 0.70% | 0.77% | 0.76% | 0.80% | +16 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.3x | 0.4x | 0.4x | 0.5x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.34% | 10.44% | 10.53% | 10.54% | 10.62% | +29 bps | |
| Total Risk-Based Capital | 12.88% | 12.82% | 13.01% | 12.85% | 12.81% | -6 bps | |
| Equity / Assets | 10.50% | 10.56% | 10.86% | 10.78% | 10.98% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.23% | 95.45% | 95.52% | 94.76% | 100.32% | +609 bps | |
| Liquid Assets / Assets | 5.92% | 5.29% | 5.13% | 3.46% | 3.03% | -289 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |