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Damascus Community Bank

Damascus, MD · Cert 27280

FDIC · 6 branches

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Damascus Community Bank

Damascus, MD · Cert 27280

FDIC · 6 branches

Q2 2017

$313.3MAssets
$222.2MLoans
$279.8MDeposits
$26.2MEquity
Loan mix
52%RE $101.3M18%C&I $34.5M31%Consumer $60.1MQ2 2016Q2 2017
Deposit mix
72%Interest-bearing $201.2M28%Noninterest $78.7MQ2 2016Q2 2017

NIM

3.63%Q2 ’153.41%Q2 ’163.72%Q2 ’17-6%+11%

Non-interest income vs. expense

3.29%Q2 ’153.62%Q2 ’163.10%Q2 ’17+12%-14%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2017 SOD (annual) · 0.1% share · #43 of 81 inst. · $0.2B of $240.8B

0.5% Montgomery
1.4% Carroll
0.7% Frederick

Executive Summary

  • Earnings: ROA of 0.60%, up 46 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.23% of loans (+23 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.37%, up 21 bps from a year ago.
  • Funding: loans stand at 79.40% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.60%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+34 bps YoY

Efficiency Ratio (YTD, annualized)

78.02%-1,838 bps YoY

Tier 1 Leverage Ratio

8.37%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.13%0.18%0.44%0.48%0.60%+46 bps
Return on Equity1.63%2.24%5.39%5.87%7.24%+562 bps
Net Interest Margin3.05%3.02%3.12%3.34%3.39%+34 bps
Efficiency Ratio96.40%94.34%90.17%82.43%78.02%-1,838 bps
Non-Interest Burden2.91%2.79%2.72%2.62%2.51%-40 bps
Growth
Asset Growth (YoY)5.44%8.61%5.83%4.86%0.98%-447 bps
Loan Growth (YoY)4.14%16.11%7.78%11.89%1.41%-273 bps
Deposit Growth (YoY)5.35%8.17%5.66%4.79%0.42%-493 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.12%0.23%+23 bps
Net Charge-Offs / Loans-0.29%-0.19%-0.14%0.07%0.01%+30 bps
Allowance / Loans1.32%1.24%0.98%0.95%0.97%-34 bps
Allowance Coverage of NPLsn/an/an/a8.2x4.3xn/a
Capital
Tier 1 Leverage Ratio8.16%7.97%8.26%8.34%8.37%+21 bps
Total Risk-Based Capital11.96%11.45%11.72%11.68%11.66%-30 bps
Equity / Assets8.16%8.06%8.19%8.22%8.37%+21 bps
Liquidity & Funding
Loans / Deposits78.62%84.29%79.89%79.50%79.40%+78 bps
Liquid Assets / Assets10.40%6.52%10.35%11.09%11.31%+92 bps
CRE / Total Capitaln/an/an/an/an/an/an/a