Baltimore, MD · Charter 6644
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Baltimore, MD · Charter 6644
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 | 0.41% | 0.20% | -0.82% | -2.70% | -3.53% | -2.41% | -5.11% | -5.48% | -278 bps | |
| Return on Equity | 6.33% | 3.01% | -12.64% | -53.04% | -88.26% | -62.76% | -231% | -489% | -43,553 bps | |
| Net Interest Margin | 3.61% | 3.32% | 3.55% | 3.70% | 4.54% | 3.96% | 4.69% | 5.12% | +143 bps | |
| Efficiency Ratio | 93.46% | 96.68% | 96.21% | 99.84% | 145.73% | 137.14% | 138.20% | 156.43% | +5,659 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.08% | -15.97% | -16.87% | -17.14% | -15.32% | -15.95% | -23.58% | -23.23% | -609 bps | |
| Loan Growth (YoY) | -1.33% | -4.16% | -11.20% | -15.00% | -20.56% | -18.75% | 3.16% | 5.49% | +2,049 bps | |
| Share Growth (YoY) | -19.28% | -17.06% | -17.21% | -15.73% | -12.97% | -13.23% | -20.71% | -20.30% | -458 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.83% | 10.00% | 5.48% | 3.44% | 1.63% | 2.58% | 2.83% | 1.08% | -236 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 | 1.10% | 1.18% | 1.15% | 2.34% | 2.57% | 1.81% | 1.86% | 2.67% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.43% | 6.59% | 6.49% | 5.10% | 4.00% | 3.84% | 2.21% | 1.12% | -397 bps | |
| Net Worth / Assets | 6.43% | 6.59% | 6.49% | 5.10% | 4.00% | 3.84% | 2.21% | 1.12% | -397 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.37% | 45.73% | 48.71% | 48.70% | 43.24% | 42.82% | 63.37% | 64.45% | +1,576 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |