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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.40% | 0.19% | 0.13% | 0.18% | 0.44% | 0.48% | 0.60% | +46 bps | |
| Return on Equity | 6.76% | 4.79% | 2.26% | 1.63% | 2.24% | 5.39% | 5.87% | 7.24% | +562 bps | |
| Net Interest Margin | 3.22% | 3.24% | 3.12% | 3.05% | 3.02% | 3.12% | 3.34% | 3.39% | +34 bps | |
| Efficiency Ratio | 83.47% | 86.74% | 95.50% | 96.40% | 94.34% | 90.17% | 82.43% | 78.02% | -1,838 bps | |
| Non-Interest Burden | 2.58% | 2.73% | 2.95% | 2.91% | 2.79% | 2.72% | 2.62% | 2.51% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.71% | 3.28% | 3.65% | 5.44% | 8.61% | 5.83% | 4.86% | 0.98% | -447 bps | |
| Loan Growth (YoY) | -11.01% | -9.44% | -8.82% | 4.14% | 16.11% | 7.78% | 11.89% | 1.41% | -273 bps | |
| Deposit Growth (YoY) | -0.64% | 4.95% | 3.70% | 5.35% | 8.17% | 5.66% | 4.79% | 0.42% | -493 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | 0.23% | +23 bps | |
| Net Charge-Offs / Loans | 1.05% | 0.80% | -0.43% | -0.29% | -0.19% | -0.14% | 0.07% | 0.01% | +30 bps | |
| Allowance / Loans | 1.35% | 1.30% | 1.39% | 1.32% | 1.24% | 0.98% | 0.95% | 0.97% | -34 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 8.2x | 4.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.37% | 8.33% | 8.31% | 8.16% | 7.97% | 8.26% | 8.34% | 8.37% | +21 bps | |
| Total Risk-Based Capital | 12.52% | 12.40% | 12.70% | 11.96% | 11.45% | 11.72% | 11.68% | 11.66% | -30 bps | |
| Equity / Assets | 8.54% | 8.35% | 8.35% | 8.16% | 8.06% | 8.19% | 8.22% | 8.37% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.52% | 78.32% | 74.46% | 78.62% | 84.29% | 79.89% | 79.50% | 79.40% | +78 bps | |
| Liquid Assets / Assets | 7.39% | 9.06% | 12.99% | 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 | n/a | n/a | n/a |