Germantown, MD · Cert 27889
FDIC · 7 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Germantown, MD · Cert 27889
FDIC · 7 branches
Q2 2014
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2014 SOD (annual) · 0.1% share · #42 of 87 inst. · $0.3B of $197.1B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.19% | 0.24% | 0.24% | 0.27% | 0.29% | 0.21% | 0.06% | -18 bps | |
| Return on Equity | n/a | n/a | 1.49% | 1.48% | 1.64% | 1.76% | 1.30% | 0.40% | -108 bps | |
| Net Interest Margin | 3.24% | 3.32% | 3.58% | 3.67% | 3.58% | 3.52% | 3.40% | 3.32% | -35 bps | |
| Efficiency Ratio | 85.71% | 84.29% | 82.37% | 85.05% | 85.03% | 84.88% | 89.59% | 91.19% | +614 bps | |
| Non-Interest Burden | 2.75% | 2.77% | 2.91% | 3.09% | 3.01% | 2.95% | 3.03% | 3.01% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.02% | -0.28% | -1.46% | -2.67% | 0.43% | 1.21% | 4.15% | 5.22% | +789 bps | |
| Loan Growth (YoY) | 6.58% | 6.82% | 5.85% | 2.52% | 1.16% | 1.99% | 1.57% | 1.41% | -110 bps | |
| Deposit Growth (YoY) | -1.11% | 4.68% | 6.92% | 2.56% | 4.55% | 6.40% | 6.82% | 6.24% | +368 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.10% | 0.00% | 0.04% | 0.03% | 0.02% | -0.03% | -0.02% | -6 bps | |
| Allowance / Loans | 1.05% | 1.05% | 1.11% | 1.14% | 1.15% | 1.15% | 1.15% | 1.15% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 23.51% | 22.69% | 21.77% | 22.53% | 22.78% | 22.69% | 22.66% | 22.61% | +8 bps | |
| Equity / Assets | 15.79% | 16.24% | 16.14% | 16.31% | 16.12% | 16.46% | 15.95% | 16.08% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.24% | 107.57% | 104.05% | 104.77% | 101.83% | 103.12% | 98.94% | 100.01% | -477 bps | |
| Liquid Assets / Assets | 5.35% | 4.87% | 3.11% | 5.49% | 7.30% | 1.21% | 2.31% | 7.33% | +185 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |