Cambridge, MD · Cert 4829
FDIC · 6 branches
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, 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.
Cambridge, MD · Cert 4829
FDIC · 6 branches
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 0.99% | 1.07% | 1.08% | 1.09% | 0.59% | 0.81% | 0.85% | -23 bps | |
| Return on Equity | 7.96% | 7.23% | 7.67% | 7.63% | 7.63% | 3.99% | 5.55% | 5.85% | -178 bps | |
| Net Interest Margin | 3.48% | 3.54% | 3.59% | 3.57% | 3.47% | 3.28% | 3.06% | 3.07% | -50 bps | |
| Efficiency Ratio | 60.92% | 65.46% | 63.71% | 62.54% | 60.82% | 69.41% | 63.27% | 63.34% | +80 bps | |
| Non-Interest Burden | 1.95% | 2.20% | 2.12% | 2.07% | 1.93% | 2.16% | 1.81% | 1.82% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.43% | 10.80% | 7.51% | 6.47% | -0.77% | -2.67% | 8.32% | 6.89% | +41 bps | |
| Loan Growth (YoY) | 2.95% | 0.67% | -1.63% | -1.84% | -2.11% | -0.31% | 13.74% | 13.26% | +1,510 bps | |
| Deposit Growth (YoY) | 6.59% | 11.55% | 7.59% | 6.40% | -1.84% | -4.07% | 9.11% | 7.42% | +102 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.64% | 1.77% | 1.37% | 1.36% | 0.22% | 0.29% | 0.26% | 0.26% | -110 bps | |
| Net Charge-Offs / Loans | 0.04% | -0.01% | 0.00% | 0.00% | 0.00% | 0.03% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.75% | 0.76% | 0.76% | 0.76% | 0.76% | 0.88% | 0.77% | 0.78% | +1 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.4x | 0.6x | 0.6x | 3.4x | 3.0x | 3.0x | 2.9x | +2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.07% | 12.77% | 13.31% | 13.69% | 13.58% | 13.94% | 13.31% | 13.27% | -42 bps | |
| Total Risk-Based Capital | 19.88% | 20.49% | 20.53% | 20.96% | 20.89% | 20.89% | 20.89% | 21.56% | +60 bps | |
| Equity / Assets | 13.80% | 13.66% | 14.60% | 14.50% | 14.73% | 14.80% | 14.14% | 14.24% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.09% | 75.85% | 80.23% | 78.42% | 79.87% | 78.81% | 83.63% | 82.69% | +427 bps | |
| Liquid Assets / Assets | 13.00% | 17.01% | 13.03% | 15.66% | 14.13% | 14.37% | 12.10% | 13.99% | -167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |