Baltimore, MD · Charter 68523
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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 68523
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.76% | -1.62% | -1.53% | -1.56% | -1.67% | -1.99% | -1.31% | -1.69% | -14 bps | |
| Return on Equity | -4.66% | -10.53% | -9.68% | -9.67% | -10.50% | -12.83% | -8.37% | -10.31% | -64 bps | |
| Net Interest Margin | 3.56% | 3.00% | 3.08% | 3.15% | 2.97% | 2.57% | 3.01% | 3.13% | -2 bps | |
| Efficiency Ratio | 117.80% | 146.73% | 145.85% | 144.55% | 146.43% | 152.11% | 137.67% | 145.97% | +142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.83% | -5.32% | -8.30% | -8.66% | -7.49% | -11.09% | -8.04% | -11.83% | -317 bps | |
| Loan Growth (YoY) | 10.91% | 7.29% | -14.88% | -21.38% | -31.71% | -27.05% | -22.84% | -27.87% | -649 bps | |
| Share Growth (YoY) | -11.28% | -4.55% | -9.46% | -8.55% | -6.02% | -10.77% | -6.44% | -13.39% | -484 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.82% | 0.98% | 2.16% | 0.27% | 0.10% | 0.68% | 0.35% | -181 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 | 1.17% | 1.28% | 1.22% | 1.29% | 1.44% | 1.44% | 1.50% | 1.69% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.26% | 15.36% | 15.83% | 16.08% | 15.88% | 15.54% | 15.68% | 16.41% | +33 bps | |
| Net Worth / Assets | 16.26% | 15.36% | 15.83% | 16.08% | 15.88% | 15.54% | 15.68% | 16.41% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.15% | 51.06% | 49.10% | 48.32% | 41.53% | 41.74% | 40.49% | 40.24% | -808 bps | |
| Liquid Assets / Assets | 6.13% | 7.69% | 27.70% | 14.48% | 19.84% | 22.19% | 0.00% | 0.00% | -1,448 bps | |