La Plata, MD · Cert 32904
FDIC · 7 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
La Plata, MD · Cert 32904
FDIC · 7 branches
Q4 2017
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2017 SOD (annual) · 0.1% share · #52 of 81 inst. · $0.1B of $240.8B
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.38% | 0.40% | 0.49% | 0.55% | 0.55% | 0.58% | 0.40% | -9 bps | |
| Return on Equity | 3.45% | 3.51% | 3.66% | 4.45% | 4.92% | 5.01% | 5.23% | 3.59% | -85 bps | |
| Net Interest Margin | 3.30% | 3.40% | 3.38% | 3.39% | 3.40% | 3.36% | 3.43% | 3.45% | +6 bps | |
| Efficiency Ratio | 84.70% | 82.24% | 80.91% | 77.97% | 76.16% | 76.83% | 76.30% | 77.66% | -31 bps | |
| Non-Interest Burden | 2.75% | 2.74% | 2.67% | 2.57% | 2.53% | 2.52% | 2.55% | 2.60% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.77% | 1.77% | 1.91% | -0.70% | 3.32% | 4.32% | 4.00% | 0.81% | +152 bps | |
| Loan Growth (YoY) | -0.34% | -1.29% | 6.24% | 12.20% | 13.28% | 11.04% | -2.27% | -8.71% | -2,091 bps | |
| Deposit Growth (YoY) | 3.52% | 0.94% | 1.38% | -0.72% | 3.84% | 5.22% | 4.67% | 0.74% | +146 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.96% | 1.96% | 1.24% | 0.44% | +44 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.20% | -0.19% | -0.20% | 0.09% | 0.04% | 0.06% | 0.77% | +97 bps | |
| Allowance / Loans | 1.54% | 1.69% | 1.68% | 1.68% | 1.67% | 1.68% | 1.73% | 1.08% | -61 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.9x | 0.9x | 1.4x | 2.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.85% | 10.85% | 10.98% | 11.17% | 11.25% | 11.02% | 11.06% | 11.19% | +3 bps | |
| Total Risk-Based Capital | 17.22% | 17.23% | 16.35% | 16.26% | 16.57% | 16.82% | 17.78% | 18.44% | +218 bps | |
| Equity / Assets | 10.83% | 10.88% | 10.96% | 11.26% | 10.97% | 10.95% | 11.05% | 11.47% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.05% | 70.88% | 76.85% | 79.74% | 76.42% | 74.80% | 71.75% | 72.26% | -748 bps | |
| Liquid Assets / Assets | 32.65% | 31.94% | 27.95% | 25.00% | 28.12% | 29.62% | 32.42% | 31.85% | +686 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |