Waldorf, MD · Cert 27599
FDIC · 37 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Waldorf, MD · Cert 27599
FDIC · 37 branches
Q3 2019
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2019 SOD (annual) · 0.6% share · #19 of 75 inst. · $1.5B of $261.4B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.27% | 1.22% | 1.24% | 1.32% | 1.24% | 1.25% | 1.27% | +3 bps | |
| Return on Equity | 10.09% | 11.46% | 10.14% | 9.99% | 10.40% | 9.16% | 9.21% | 9.29% | -71 bps | |
| Net Interest Margin | 3.18% | 3.51% | 3.16% | 3.20% | 3.27% | 3.36% | 3.26% | 3.28% | +7 bps | |
| Efficiency Ratio | 54.69% | 50.87% | 54.04% | 54.45% | 51.69% | 48.90% | 49.49% | 49.50% | -495 bps | |
| Non-Interest Burden | 1.60% | 1.66% | 1.55% | 1.59% | 1.51% | 1.49% | 1.45% | 1.45% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.47% | 25.45% | 63.79% | 42.16% | 39.89% | 39.13% | 4.87% | 5.65% | -3,652 bps | |
| Loan Growth (YoY) | 24.05% | 23.88% | 63.70% | 43.30% | 42.28% | 37.80% | 2.31% | 4.34% | -3,897 bps | |
| Deposit Growth (YoY) | 24.50% | 30.32% | 59.61% | 35.12% | 38.68% | 30.57% | 8.08% | 7.78% | -2,734 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.12% | 0.13% | 0.29% | 0.20% | 0.27% | 0.32% | 0.34% | +5 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | +1 bps | |
| Allowance / Loans | 0.35% | 0.35% | 0.28% | 0.29% | 0.31% | 0.32% | 0.32% | 0.32% | +3 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.0x | 2.2x | 1.0x | 1.5x | 1.2x | 1.0x | 0.9x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.14% | 10.14% | 10.54% | 10.22% | 10.43% | 10.62% | 10.53% | 10.74% | +52 bps | |
| Total Risk-Based Capital | 11.37% | 11.28% | 11.21% | 11.34% | 11.55% | 11.69% | 11.99% | 11.98% | +64 bps | |
| Equity / Assets | 11.31% | 10.90% | 13.32% | 13.49% | 13.70% | 13.45% | 13.74% | 13.79% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.95% | 98.72% | 108.19% | 107.04% | 105.63% | 104.19% | 102.41% | 103.62% | -342 bps | |
| Liquid Assets / Assets | 0.57% | 2.89% | 1.15% | 0.82% | 0.63% | 0.83% | 0.89% | 0.50% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |