Baltimore, MD · Charter 95752
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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 95752
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.62% | 0.69% | 0.24% | 1.76% | +96 bps | |
| Return on Equity | 4.40% | 3.74% | 4.16% | 1.48% | 11.02% | +662 bps | |
| Net Interest Margin | 4.22% | 3.75% | 3.83% | 3.78% | 3.56% | -66 bps | |
| Efficiency Ratio | 81.20% | 82.01% | 79.57% | 91.28% | 63.27% | -1,793 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.80% | 17.91% | 18.37% | 17.98% | 18.49% | +1,569 bps | |
| Loan Growth (YoY) | -8.03% | -9.28% | -2.61% | 1.00% | -5.33% | +270 bps | |
| Share Growth (YoY) | 3.39% | 20.50% | 20.09% | 20.45% | 22.26% | +1,887 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.08% | 1.32% | 0.83% | 0.82% | 1.41% | -67 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.40% | 1.43% | 1.54% | 1.88% | +36 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.11% | 16.64% | 16.64% | 16.02% | 15.96% | -216 bps | |
| Net Worth / Assets | 18.11% | 16.64% | 16.64% | 16.02% | 15.96% | -216 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.01% | 61.65% | 63.02% | 58.32% | 54.98% | -1,603 bps | |
| Liquid Assets / Assets | 24.75% | 22.18% | 16.48% | 20.13% | 22.05% | -269 bps | |