Washington, DC · Cert 31555
FDIC · 5 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Washington, DC · Cert 31555
FDIC · 5 branches
Q3 2018
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2018 SOD (annual) · 0.0% share · #51 of 77 inst. · $0.1B of $256.5B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.34% | 0.36% | 0.44% | 0.51% | 0.77% | 0.36% | 0.41% | -3 bps | |
| Return on Equity | 1.11% | 3.44% | 3.59% | 4.35% | 5.03% | 7.09% | 3.25% | 3.68% | -67 bps | |
| Net Interest Margin | 3.29% | 3.35% | 3.31% | 3.47% | 3.53% | 3.73% | 3.71% | 3.78% | +31 bps | |
| Efficiency Ratio | 102.46% | 90.52% | 90.06% | 88.19% | 99.14% | 90.60% | 96.06% | 94.89% | +670 bps | |
| Non-Interest Burden | 3.37% | 3.00% | 2.95% | 3.03% | 3.49% | 3.34% | 3.53% | 3.56% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.84% | 3.78% | 2.15% | 0.17% | -2.58% | -6.04% | -7.10% | -6.99% | -716 bps | |
| Loan Growth (YoY) | -1.45% | 2.82% | 5.67% | 3.85% | -3.17% | -6.88% | -5.33% | -8.87% | -1,271 bps | |
| Deposit Growth (YoY) | -1.22% | 5.27% | 3.07% | -0.10% | -4.32% | -4.33% | -5.64% | -5.38% | -527 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 2.00% | 1.84% | 1.36% | 2.09% | 1.51% | 1.33% | 0.98% | -39 bps | |
| Net Charge-Offs / Loans | 0.05% | -0.02% | -0.05% | -0.09% | -0.47% | -0.10% | -0.15% | 0.14% | +23 bps | |
| Allowance / Loans | 1.81% | 1.79% | 1.86% | 1.90% | 1.71% | 1.64% | 1.71% | 1.52% | -38 bps | |
| Allowance Coverage of NPLs | n/a | 0.9x | 1.0x | 1.4x | 0.8x | 1.1x | 1.3x | 1.6x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.94% | 9.86% | 9.73% | 10.04% | 10.54% | 10.72% | 10.86% | 11.05% | +101 bps | |
| Total Risk-Based Capital | 15.98% | 15.48% | 15.89% | 15.99% | 16.60% | 17.09% | 16.95% | 17.50% | +151 bps | |
| Equity / Assets | 10.02% | 9.80% | 9.98% | 10.29% | 10.82% | 10.98% | 11.11% | 11.38% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.71% | 109.22% | 107.22% | 110.14% | 113.06% | 106.32% | 107.57% | 106.08% | -406 bps | |
| Liquid Assets / Assets | 9.41% | 10.92% | 11.94% | 11.55% | 10.70% | 12.40% | 11.73% | 13.43% | +188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |