Upper Marlboro, MD · Cert 28969
FDIC · 4 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.
Upper Marlboro, MD · Cert 28969
FDIC · 4 branches
Q2 2014
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2014 SOD (annual) · 0.0% share · #64 of 87 inst. · $0.1B 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 | 0.87% | 0.63% | 0.68% | 0.50% | 0.48% | 0.34% | 0.04% | -0.05% | -55 bps | |
| Return on Equity | n/a | n/a | 5.65% | 4.20% | 4.01% | 2.81% | 0.31% | -0.38% | -458 bps | |
| Net Interest Margin | 3.64% | 3.58% | 3.52% | 3.34% | 3.28% | 3.31% | 3.31% | 3.26% | -7 bps | |
| Efficiency Ratio | 66.73% | 70.49% | 65.64% | 72.46% | 71.31% | 75.74% | 87.67% | 95.58% | +2,313 bps | |
| Non-Interest Burden | 2.41% | 2.50% | 2.27% | 2.41% | 2.32% | 2.50% | 2.89% | 3.12% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.35% | 2.53% | 2.55% | 6.06% | 0.79% | 0.36% | -2.88% | -6.70% | -1,276 bps | |
| Loan Growth (YoY) | -6.51% | -6.86% | -6.31% | -7.03% | -3.30% | -2.32% | -4.46% | -3.24% | +379 bps | |
| Deposit Growth (YoY) | 4.63% | 2.53% | 2.60% | 6.71% | 0.81% | 0.11% | -3.20% | -7.47% | -1,418 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 | 3.01% | 2.38% | 0.55% | 0.51% | 0.34% | 0.43% | 0.92% | 0.47% | -4 bps | |
| Allowance / Loans | 1.17% | 1.12% | 1.02% | 1.01% | 1.19% | 1.04% | 0.96% | 0.97% | -5 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 | 24.71% | 24.00% | 24.85% | 25.65% | 26.04% | 25.70% | 25.73% | 25.36% | -29 bps | |
| Equity / Assets | 12.44% | 12.11% | 11.87% | 11.77% | 12.39% | 12.25% | 12.24% | 12.51% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.42% | 83.29% | 79.65% | 76.56% | 80.98% | 81.27% | 78.61% | 80.06% | +350 bps | |
| Liquid Assets / Assets | 20.13% | 20.80% | 22.34% | 26.31% | 25.52% | 23.15% | 23.56% | 24.75% | -156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |