Denton, MD · Cert 9693
FDIC
Q2 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.90% | 1.91% | 1.80% | 1.83% | 1.80% | 1.88% | 1.88% | 1.86% | +3 bps | |
| Return on Equity | 15.92% | 16.01% | 15.57% | 15.78% | 16.25% | 17.26% | 18.79% | 18.79% | +300 bps | |
| Net Interest Margin | 4.98% | 4.85% | 4.76% | 4.70% | 4.67% | 4.66% | 4.48% | 4.43% | -27 bps | |
| Efficiency Ratio | 48.15% | 48.15% | 48.91% | 48.39% | 48.50% | 48.86% | 47.43% | 48.41% | +2 bps | |
| Non-Interest Burden | 1.91% | 1.86% | 1.88% | 1.82% | 1.81% | 1.82% | 1.46% | 1.56% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.78% | 8.62% | 11.98% | 5.96% | 8.30% | 0.53% | -0.71% | -0.04% | -600 bps | |
| Loan Growth (YoY) | 9.62% | 3.97% | 5.62% | 6.85% | 8.05% | 12.50% | 11.32% | 11.18% | +433 bps | |
| Deposit Growth (YoY) | 3.48% | 5.46% | 8.61% | 3.86% | 6.81% | 4.42% | 4.54% | 1.70% | -215 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.16% | 0.02% | 0.15% | 0.13% | 0.10% | 0.05% | 0.15% | +1 bps | |
| Allowance / Loans | 2.21% | 2.23% | 2.16% | 2.04% | 1.95% | 1.69% | 1.64% | 1.55% | -49 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.70% | 19.84% | 19.58% | 19.32% | 18.85% | 18.74% | 18.66% | 18.26% | -106 bps | |
| Equity / Assets | 12.11% | 11.72% | 11.45% | 11.61% | 9.53% | 10.04% | 9.96% | 9.75% | -186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.30% | 83.62% | 82.92% | 83.72% | 87.30% | 90.08% | 88.30% | 91.53% | +780 bps | |
| Liquid Assets / Assets | 0.30% | 0.29% | 0.28% | 0.26% | 0.26% | 0.27% | 0.52% | 0.84% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |