371 Van Ness Way, Suite 110
Torrance, California 90501
310.676.3300
info@institutionalriskanalytics.com
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371 Van Ness Way, Suite 110 Torrance, California 90501 310.676.3300 info@institutionalriskanalytics.com |
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This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle. The most recent data available in our database is shown. |
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HarVest Bank of Maryland, member of holding company HARVEST BANCORP, INC. as of March-2012 15810 GAITHER DR, SUITE 220 GAITHERSBURG, MD, 20877 Data Source: IRA Bank Monitor. Data in thousands unless otherwise noted. Copyright 2013 Lord, Whalen LLC All Rights Reserved |
Buy reports on live banks, www.IRABankRatings.com |
| Counterparty Quality Score (CQS) Report |
IRA Counterparty Quality Analysis Historial CQS Scores - IRA Bank Stress Index (BSI) Factor - Asset Quality Trouble Factor - FDIC Moral Hazard Factor | 2012 3 24.4 18.0 9.7 | 2011 3 22.2 20.6 9.6 | 2011 3 21.6 25.2 12.5 | 2011 3 21.5 22.8 12.6 | 2011 7 2.0 21.7 12.8 | 2010 3 22.1 20.1 12.2 | 2010 3 22.0 22.5 11.5 | 2010 3 21.3 16.6 11.5 | 2010 4 21.2 12.2 10.9 | 2009 4 21.3 10.4 13.9 | 2009 4 21.1 8.7 11.1 | 2009 4 21.2 7.8 13.6 |
| Historical Performance Table |
IRA Bank Stress Benchmarks Grade Stress Index Number ROA, % ROE, % Efficiency Ratio Goodwill Writedowns Capital Adequacy Position IRA Capital Test T1/RWA RBC/RWA T1/ASSET Risk Based Capital, Total Tier 1 RBC Risk Weighted Assets, Total Basel II Benchmarks Bond Equivalent Defaults, Method 1 B.E.D., Method 2 Default Rate, bp LGD: Loss Given Default, % M: Wt. Avg. Maturity, yr EAD: Exposure At Default, % Economic Capital Analysis EC RAROC, % Tier 1 RBC T1RBC to EC Leverage Bank Tangible Common Equity Percent of Tangible Assets (TCE Ratio) TCE to EC Leverage Regulatory Watch Points Net Income, Period Total Assets Lending Assets Trading Assets Other Assets (incl. Prepaid Assessments) Securities Assets Net Interest Income, YTD Earning Assets, Total Net Interest Margin, Current Qtr - Annualized NIMY, from FDIC 5YR METHOD Total Deposits Brokered Deposits Reciprocal Brokered Deposits Volatile Liabilities, per FDIC FHLB Advances FHLB Advances-to-Assets, percent Brokered to Total Deposits, percent FHLB+BRO+VOLIAB to Assets, percent Gross Defaults, Actual Provision for Loan Losses, Income Statement Actual-to-Provision Ratio Balance Sheet Allowances for Loan Losses Gross Defaults, Total 30-89 Day Assets, Total Guaranteed Portion of 30-89 Over 90 Assets, Total Guaranteed Portion of Over 90 Non-Accrual Assets, Total Guaranteed Portion of NA Real Estate Owned (REO) Total Troubled Assets Troubled Assets % of Total Assets % factored for less 80% GTY Offsets Non-Conforming Assets, Reported Texas Ratio Off Balance Sheet Derivatives, Notional Loss Realization Margin to RBC, bp | 2012 F 24.4 -3.6168 -477.80 281.5% 6 Under Cap Fail 1.0% 1.9% 0.6% $1,966 $983 $101,401 B B 311.5 89.64 4.61 6.0 $5,420 -31.40% $983 0.2:1 $-5,901 -3.66% -1.09:1 $-1,474 $163,019 $89,242 $0 $2,737 $40,407 $649 $132,000 1.97% 2.05% $145,534 $153 $0 $6,510 $15,750 9.66% 0.11% 13.75% $695 $312 2.23:1 $2,502 $695 $2,687 $0 $0 $0 $18,994 $0 $6,918 $29,294 17.97% 17.97% $18,994 7.36 - - | 2011 F 22.2 -1.7038 -99.64 220.1% 25 Under Cap Fail 2.4% 3.7% 1.5% $3,750 $2,451 $102,390 BB BB 155.4 92.87 4.41 6.0 $5,968 -81.92% $2,451 0.4:1 $-3,603 -2.22% -0.60:1 $-2,800 $164,340 $95,608 $0 $2,979 $20,787 $3,247 $121,109 2.68% 2.46% $145,515 $153 $0 $10,089 $15,750 9.58% 0.11% 15.82% $1,486 $1,395 1.07:1 $2,813 $1,486 $7,052 $0 $0 $0 $19,192 $0 $6,190 $33,920 20.64% 20.64% $19,192 4.70 - - | 2011 F 21.6 -0.8053 -26.71 180.0% 18 Under Cap Fail 3.9% 5.2% 2.7% $5,687 $4,286 $110,140 BB BB 122.7 90.53 4.20 4.4 $6,755 -36.71% $4,286 0.7:1 $-100 -0.06% -0.01:1 $-958 $158,623 $105,635 $0 $4,388 $25,575 $2,439 $134,276 2.42% 2.42% $133,743 $153 $0 $14,753 $19,750 12.45% 0.11% 21.85% $972 $1,461 0.67:1 $3,378 $972 $11,139 $0 $0 $0 $23,246 $0 $4,652 $40,009 25.22% 25.22% $23,246 3.52 - - | 2011 F 21.5 -1.4411 -53.10 185.6% 13 Under Cap Fail 3.7% 5.0% 2.6% $5,484 $4,083 $109,580 BB BB 90.2 87.09 4.02 5.7 $6,640 -23.72% $4,083 0.6:1 $804 0.52% 0.12:1 $-1,130 $156,825 $108,262 $0 $4,224 $26,213 $1,627 $131,179 2.48% 2.42% $132,091 $153 $0 $15,509 $19,750 12.59% 0.12% 22.58% $488 $1,540 0.32:1 $3,912 $488 $9,605 $0 $0 $0 $22,469 $0 $3,191 $35,753 22.80% 22.80% $22,469 3.25 - - | 2011 B 2.0 0.3589 10.87 229.3% 6 Under Cap Fail 4.7% 6.0% 3.5% $6,785 $5,345 $113,618 BB BB 165.1 99.57 4.15 4.5 $6,477 -19.59% $5,345 0.8:1 $1,635 1.08% 0.25:1 $138 $153,785 $111,701 $0 $4,376 $26,020 $779 $134,900 2.31% 2.29% $128,039 $1,270 $0 $16,263 $19,750 12.84% 0.99% 24.24% $461 $714 0.65:1 $3,052 $461 $6,581 $0 $4,240 $0 $18,884 $0 $3,176 $33,342 21.68% 21.68% $23,124 3.34 - - | 2010 F 22.1 -0.0074 -0.24 194.1% 25 Under Cap Fail 4.5% 5.7% 3.2% $6,655 $5,185 $116,301 BB B 291.2 99.12 3.81 5.5 $6,669 -97.79% $5,185 0.7:1 $19,082 11.97% 2.86:1 $-12 $161,909 $113,809 $0 $4,196 $26,426 $4,093 $137,755 2.97% 2.43% $136,103 $5,584 $2,093 $35,296 $19,750 12.20% 4.10% 37.45% $3,314 $4,352 0.76:1 $2,798 $3,314 $8,467 $0 $557 $0 $16,240 $0 $3,951 $32,529 20.09% 20.09% $16,797 0.80 - - | 2010 F 22.0 -0.0078 -0.17 184.7% 19 Under Cap Fail 6.1% 7.4% 4.3% $8,879 $7,368 $120,162 B B 316.3 99.07 3.77 6.5 $7,688 -64.79% $7,368 1.0:1 $20,791 12.31% 2.70:1 $-10 $171,529 $122,095 $0 $4,546 $23,249 $3,088 $143,959 2.86% 2.34% $143,064 $10,479 $3,873 $48,013 $19,750 11.51% 7.32% 45.61% $2,896 $3,375 0.86:1 $2,237 $2,896 $11,443 $0 $2,564 $0 $19,558 $0 $2,198 $38,659 22.54% 22.54% $22,122 0.96 - - | 2010 F 21.3 -0.0010 -0.01 166.0% 13 Adequate Warn 8.1% 9.3% 5.2% $12,556 $10,866 $134,877 BB BB 125.8 66.74 3.87 6.6 $8,888 -16.60% $10,866 1.7:1 $21,577 10.56% 2.43:1 $-1 $207,028 $136,197 $0 $10,314 $34,991 $2,225 $172,592 2.58% 2.38% $165,577 $19,594 $8,491 $62,316 $23,750 11.47% 11.83% 51.04% $857 $868 0.99:1 $2,026 $857 $13,566 $0 $4,203 $0 $14,258 $0 $1,398 $34,282 16.56% 16.56% $18,461 0.79 - - | 2010 F 21.2 -0.9729 -12.35 120.3% 6 Well Cap Pass 9.1% 10.3% 5.9% $14,524 $12,769 $140,385 BB BB 147.1 99.21 3.30 9.7 $8,322 -3.98% $12,769 2.0:1 $21,982 10.26% 2.64:1 $-528 $217,092 $138,412 $0 $10,445 $51,495 $1,321 $189,340 2.79% 2.73% $175,228 $24,870 $9,530 $75,682 $23,750 10.94% 14.19% 57.26% $509 $600 0.85:1 $1,826 $509 $10,008 $0 $4,777 $0 $10,135 $0 $965 $26,394 12.16% 12.16% $14,912 0.64 - - | 2009 F 21.3 -0.0004 -0.01 137.4% 18 Well Cap Pass 9.3% 10.5% 6.0% $15,406 $13,675 $146,583 BB BB 151.9 99.08 3.37 8.1 $7,492 -30.45% $13,675 2.1:1 $22,014 9.79% 2.94:1 $-1 $227,690 $143,155 $0 $10,578 $55,340 $4,457 $198,063 2.25% 2.33% $178,033 $39,100 $6,670 $98,932 $31,750 13.94% 21.96% 74.57% $2,175 $2,236 0.97:1 $1,731 $2,175 $10,460 $0 $873 $0 $9,291 $0 $908 $23,707 10.41% 10.41% $10,164 0.45 - - | 2009 F 21.1 -0.3707 -4.66 108.7% 0 Well Cap Pass 10.1% 11.1% 6.6% $16,389 $14,849 $147,464 BB BB 127.1 91.04 3.25 11.4 $9,171 -7.00% $14,849 2.3:1 $21,756 9.88% 2.37:1 $-621 $223,337 $148,798 $0 $6,895 $45,648 $3,570 $197,555 2.41% 2.50% $180,214 $53,735 $6,646 $96,140 $24,750 11.08% 29.82% 78.19% $1,418 $1,181 1.20:1 $1,540 $1,418 $5,825 $0 $1,855 $0 $10,114 $0 $229 $19,441 8.70% 8.70% $11,969 0.52 - - | 2009 F 21.2 -0.6010 -7.70 111.5% 0 Well Cap Pass 9.4% 10.6% 6.5% $15,507 $13,822 $146,841 BB BB 148.9 93.23 3.60 10.6 $8,925 -7.81% $13,822 2.1:1 $20,902 10.02% 2.34:1 $-636 $211,631 $150,747 $0 $6,703 $31,611 $2,401 $184,543 2.60% 2.56% $165,721 $68,154 $7,697 $91,978 $28,750 13.58% 41.13% 89.25% $1,122 $1,081 1.04:1 $1,685 $1,122 $5,119 $0 $254 $0 $9,688 $0 $229 $16,412 7.76% 7.76% $9,942 0.45 - - |
| All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings. |
