Damascus, MD · Cert 27280
FDIC · 6 branches
Q2 2017
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2017 SOD (annual) · 0.1% share · #43 of 81 inst. · $0.2B of $240.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.28% | 1.19% | 0.48% | 0.71% | +63 bps | |
| Return on Equity | 1.00% | 3.46% | 14.70% | 5.87% | 8.60% | +760 bps | |
| Net Interest Margin | 3.03% | 3.14% | 3.44% | 3.34% | 3.44% | +41 bps | |
| Efficiency Ratio | 97.27% | 91.00% | 79.65% | 82.43% | 73.38% | -2,389 bps | |
| Non-Interest Burden | 2.92% | 2.73% | 2.49% | 2.62% | 2.41% | -51 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 / Loans | 0.00% | 0.00% | 0.00% | 0.12% | 0.23% | +23 bps | |
| Net Charge-Offs / Loans | -0.18% | -0.04% | 0.07% | 0.07% | -0.05% | +13 bps | |
| Allowance / Loans | 1.32% | 1.24% | 0.98% | 0.95% | 0.97% | -34 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 8.2x | 4.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.16% | 7.97% | 8.26% | 8.34% | 8.37% | +21 bps | |
| Total Risk-Based Capital | 11.96% | 11.45% | 11.72% | 11.68% | 11.66% | -30 bps | |
| Equity / Assets | 8.16% | 8.06% | 8.19% | 8.22% | 8.37% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.62% | 84.29% | 79.89% | 79.50% | 79.40% | +78 bps | |
| Liquid Assets / Assets | 10.40% | 6.52% | 10.35% | 11.09% | 11.31% | +92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |