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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.34% | 0.37% | 0.59% | 0.74% | 0.77% | -0.06% | 0.51% | -8 bps | |
| Return on Equity | 0.73% | 3.44% | 3.74% | 5.85% | 7.00% | 7.09% | -0.58% | 4.53% | -132 bps | |
| Net Interest Margin | 3.12% | 3.35% | 3.35% | 3.67% | 3.40% | 3.73% | 3.63% | 3.89% | +22 bps | |
| Efficiency Ratio | 99.58% | 90.52% | 89.60% | 84.73% | 134.07% | 90.60% | 101.71% | 92.53% | +780 bps | |
| Non-Interest Burden | 3.10% | 3.00% | 2.97% | 3.07% | 4.61% | 3.34% | 3.68% | 3.58% | +51 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 | 0.57% | -0.02% | -0.09% | -0.17% | -1.61% | -0.10% | -0.20% | 0.75% | +92 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 |