Elkton, MD · Cert 9700
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.57% | 1.73% | 1.50% | 2.34% | 1.65% | 1.61% | 1.34% | -17 bps | |
| Return on Equity | 24.02% | 26.97% | 28.17% | 23.69% | 37.20% | 26.32% | 25.98% | 21.08% | -262 bps | |
| Net Interest Margin | 3.40% | 3.34% | 3.45% | 3.84% | 3.81% | 3.78% | 3.23% | 3.19% | -65 bps | |
| Efficiency Ratio | 56.44% | 57.26% | 55.91% | 54.28% | 44.29% | 46.07% | 49.27% | 54.94% | +66 bps | |
| Non-Interest Burden | 1.31% | 1.32% | 1.35% | 1.36% | 0.92% | 1.15% | 1.01% | 1.25% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.07% | 11.11% | 5.69% | 4.42% | 9.05% | 12.94% | 20.55% | 21.05% | +1,664 bps | |
| Loan Growth (YoY) | -5.22% | -0.50% | 1.57% | 6.78% | 6.64% | 7.07% | 7.64% | 6.21% | -57 bps | |
| Deposit Growth (YoY) | 6.57% | -1.38% | -5.62% | 3.94% | 12.51% | 30.58% | 35.96% | 22.10% | +1,815 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 | -0.30% | 0.16% | 0.10% | 0.10% | 0.06% | 0.08% | 0.05% | 0.13% | +3 bps | |
| Allowance / Loans | 2.14% | 1.87% | 1.87% | 1.83% | 1.77% | 1.71% | 1.70% | 1.66% | -17 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 | 11.21% | 11.15% | 11.44% | 11.43% | 11.21% | 11.03% | 11.29% | 11.63% | +19 bps | |
| Equity / Assets | 5.81% | 5.87% | 6.45% | 6.25% | 6.35% | 6.18% | 6.25% | 6.45% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.68% | 79.18% | 77.49% | 70.48% | 68.88% | 64.93% | 61.35% | 61.31% | -917 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0.02% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |