Baltimore, MD · Charter 66367
Q4 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.03% | 0.10% | -0.27% | -1.30% | -1.00% | -2.58% | -2.47% | -220 bps | |
| Return on Equity | 0.26% | 0.25% | 0.82% | -2.21% | -10.28% | -7.68% | -20.47% | -19.79% | -1,758 bps | |
| Net Interest Margin | 2.66% | 2.58% | 2.62% | 2.57% | 2.06% | 2.20% | 2.36% | 2.37% | -21 bps | |
| Efficiency Ratio | 108.39% | 103.58% | 106.01% | 110.72% | 133.86% | 125.12% | 126.58% | 134.13% | +2,342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.48% | 1.37% | -8.22% | -9.41% | -13.27% | -16.25% | -17.08% | -16.47% | -706 bps | |
| Loan Growth (YoY) | -6.26% | -5.13% | -6.39% | -9.28% | -11.48% | -10.33% | -13.31% | 12.74% | +2,202 bps | |
| Share Growth (YoY) | 2.58% | 1.74% | -8.96% | -10.16% | -14.52% | -16.22% | -15.27% | -13.78% | -362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 1.07% | 1.82% | 3.42% | 3.10% | 3.07% | 0.85% | 1.03% | -239 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.44% | 2.15% | 1.62% | 1.43% | 1.51% | 1.41% | 3.74% | 3.14% | +171 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.47% | 11.57% | 12.39% | 12.41% | 12.61% | 13.00% | 12.60% | 12.50% | +10 bps | |
| Net Worth / Assets | 11.47% | 11.57% | 12.39% | 12.41% | 12.61% | 13.00% | 12.60% | 12.50% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.53% | 26.50% | 27.50% | 27.48% | 27.47% | 28.37% | 28.13% | 35.93% | +845 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |