Rockville, MD · Cert 32328
FDIC · 5 branches
Q4 2015
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2015 SOD (annual) · 0.1% share · #38 of 86 inst. · $0.3B of $216.8B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.25% | 0.31% | 0.35% | 0.92% | 1.11% | 1.30% | 0.79% | +44 bps | |
| Return on Equity | 3.79% | 2.27% | 2.80% | 3.08% | 7.51% | 9.14% | 10.64% | 6.11% | +303 bps | |
| Net Interest Margin | 1.94% | 2.01% | 1.97% | 1.96% | 1.80% | 1.77% | 1.76% | 1.95% | -1 bps | |
| Efficiency Ratio | 86.90% | 92.30% | 90.92% | 88.14% | 82.51% | 77.25% | 74.33% | 85.83% | -231 bps | |
| Non-Interest Burden | 1.22% | 1.59% | 1.46% | 1.23% | 0.43% | -0.01% | -0.38% | 0.58% | -65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.66% | -1.78% | 1.67% | -3.71% | -2.31% | -4.14% | -3.62% | -19.31% | -1,560 bps | |
| Loan Growth (YoY) | -16.14% | -10.78% | -2.02% | 0.13% | -2.21% | -5.59% | -7.28% | -2.24% | -238 bps | |
| Deposit Growth (YoY) | -2.79% | -2.84% | 1.95% | -0.26% | 1.40% | -1.77% | -1.64% | -3.65% | -339 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 | 0.09% | 0.62% | 0.56% | 0.73% | 0.12% | 0.20% | 0.60% | 0.23% | -50 bps | |
| Allowance / Loans | 1.36% | 1.10% | 1.03% | 1.11% | 0.95% | 0.94% | 0.61% | 0.78% | -33 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 | 12.66% | 12.63% | 13.08% | 14.46% | n/a | |
| Total Risk-Based Capital | 31.91% | 33.43% | 34.73% | 36.35% | 36.01% | 38.49% | 44.23% | 45.22% | +887 bps | |
| Equity / Assets | 11.32% | 10.60% | 11.15% | 12.48% | 12.08% | 11.79% | 12.65% | 16.44% | +396 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.06% | 58.59% | 60.56% | 66.20% | 63.71% | 56.31% | 57.09% | 67.17% | +97 bps | |
| Liquid Assets / Assets | 48.72% | 51.93% | 51.78% | 47.76% | 48.90% | 53.73% | 53.74% | 37.47% | -1,030 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |