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Oba Bank

Germantown, MD · Cert 27889

FDIC · 7 branches

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

Oba Bank

Germantown, MD · Cert 27889

FDIC · 7 branches

Q2 2014

$401.5MAssets
$308.0MLoans
$308.0MDeposits
$64.6MEquity
Deposit mix
84%Interest-bearing $259.3M16%Noninterest $48.7MQ2 2013Q2 2014

NIM

4.01%Q2 ’124.26%Q2 ’133.84%Q2 ’14+15%-10%

Non-interest income vs. expense

2.91%Q2 ’123.31%Q2 ’133.20%Q2 ’14+13%-3%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2014 SOD (annual) · 0.1% share · #42 of 87 inst. · $0.3B of $197.1B

0.8% Montgomery
0.8% Howard
0.1% Anne Arundel

Executive Summary

  • Earnings: ROA of 0.06%, down 18 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 100.01% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.06%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.32%-35 bps YoY

Efficiency Ratio (YTD, annualized)

91.19%+614 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.24%0.27%0.29%0.21%0.06%-18 bps
Return on Equity1.48%1.64%1.76%1.30%0.40%-108 bps
Net Interest Margin3.67%3.58%3.52%3.40%3.32%-35 bps
Efficiency Ratio85.05%85.03%84.88%89.59%91.19%+614 bps
Non-Interest Burden3.09%3.01%2.95%3.03%3.01%-8 bps
Growth
Asset Growth (YoY)-2.67%0.43%1.21%4.15%5.22%+789 bps
Loan Growth (YoY)2.52%1.16%1.99%1.57%1.41%-110 bps
Deposit Growth (YoY)2.56%4.55%6.40%6.82%6.24%+368 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.03%0.02%-0.03%-0.02%-6 bps
Allowance / Loans1.14%1.15%1.15%1.15%1.15%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital22.53%22.78%22.69%22.66%22.61%+8 bps
Equity / Assets16.31%16.12%16.46%15.95%16.08%-23 bps
Liquidity & Funding
Loans / Deposits104.77%101.83%103.12%98.94%100.01%-477 bps
Liquid Assets / Assets5.49%7.30%1.21%2.31%7.33%+185 bps
CRE / Total Capitaln/an/an/an/an/an/an/a