Onley, VA · Cert 31294
FDIC · 8 branches
Q3 2015
Market Position · Salisbury, MD-DE · 2015 SOD (annual) · 0.3% share · #17 of 25 inst. · $0.2B of $55.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.53% | 0.13% | 0.63% | 0.42% | -15 bps | |
| Return on Equity | 5.14% | 4.85% | 1.23% | 6.57% | 4.29% | -85 bps | |
| Net Interest Margin | 3.62% | 3.71% | 3.26% | 3.31% | 3.54% | -8 bps | |
| Efficiency Ratio | 85.13% | 82.64% | 90.18% | 78.34% | 84.84% | -29 bps | |
| Non-Interest Burden | 3.12% | 3.07% | 3.03% | 2.66% | 3.08% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.97% | 3.30% | 20.36% | 19.94% | 15.89% | +1,686 bps | |
| Loan Growth (YoY) | 7.21% | 9.55% | 16.57% | 21.81% | 20.51% | +1,331 bps | |
| Deposit Growth (YoY) | 2.45% | 6.93% | 27.72% | 28.00% | 19.75% | +1,730 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.54% | -0.01% | 0.01% | 0.15% | 0.06% | +61 bps | |
| Allowance / Loans | 1.07% | 1.07% | 1.05% | 0.96% | 0.89% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 9.99% | 9.68% | 9.96% | n/a | |
| Total Risk-Based Capital | 15.02% | 14.79% | 14.24% | 13.16% | 12.93% | -209 bps | |
| Equity / Assets | 10.88% | 10.99% | 9.56% | 9.57% | 9.90% | -98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.01% | 98.88% | 85.19% | 88.89% | 95.61% | +61 bps | |
| Liquid Assets / Assets | 0.46% | 0.90% | 13.09% | 6.03% | 0.55% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |