Baltimore, MD · Charter 95829
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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 95829
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.14% | -1.87% | -0.24% | 0.93% | 0.07% | 1.18% | 0.08% | +33 bps | |
| Return on Equity | -1.40% | -0.69% | -9.16% | -1.18% | 4.40% | 0.35% | 5.76% | 0.42% | +160 bps | |
| Net Interest Margin | 4.67% | 4.69% | 5.91% | 5.44% | 5.12% | 5.10% | 3.50% | 3.47% | -197 bps | |
| Efficiency Ratio | 104.76% | 102.41% | 127.03% | 103.98% | 83.64% | 98.71% | 70.78% | 97.88% | -610 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.29% | -0.17% | -0.74% | -1.07% | -0.94% | -1.44% | 1.25% | 1.80% | +286 bps | |
| Loan Growth (YoY) | -1.45% | 8.40% | 30.35% | 32.03% | 6.50% | -21.36% | -41.64% | -45.84% | -7,787 bps | |
| Share Growth (YoY) | 0.32% | -1.62% | -0.90% | -0.87% | -0.90% | 1.58% | 2.43% | 2.58% | +345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.85% | 2.28% | 0.46% | 0.46% | 0.33% | 2.56% | 2.44% | 1.36% | +90 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 | 2.09% | 1.92% | 1.70% | 1.68% | 1.82% | 2.19% | 3.02% | 3.40% | +172 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.60% | 20.65% | 20.46% | 20.43% | 21.08% | 20.53% | 20.56% | 20.30% | -13 bps | |
| Net Worth / Assets | 20.60% | 20.65% | 20.46% | 20.43% | 21.08% | 20.53% | 20.56% | 20.30% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.65% | 61.80% | 68.95% | 67.51% | 59.80% | 47.84% | 39.28% | 35.64% | -3,186 bps | |
| Liquid Assets / Assets | 44.58% | 49.57% | 42.65% | 3.21% | 10.06% | 19.48% | 27.09% | 30.11% | +2,690 bps | |