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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.09% | 0.59% | 0.81% | 0.85% | -23 bps | |
| Return on Equity | 7.63% | 7.63% | 3.99% | 5.55% | 5.85% | -178 bps | |
| Net Interest Margin | 3.57% | 3.47% | 3.28% | 3.06% | 3.07% | -50 bps | |
| Efficiency Ratio | 62.54% | 60.82% | 69.41% | 63.27% | 63.34% | +80 bps | |
| Non-Interest Burden | 2.07% | 1.93% | 2.16% | 1.81% | 1.82% | -24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.47% | -0.77% | -2.67% | 8.32% | 6.89% | +41 bps | |
| Loan Growth (YoY) | -1.84% | -2.11% | -0.31% | 13.74% | 13.26% | +1,510 bps | |
| Deposit Growth (YoY) | 6.40% | -1.84% | -4.07% | 9.11% | 7.42% | +102 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.36% | 0.22% | 0.29% | 0.26% | 0.26% | -110 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.76% | 0.76% | 0.88% | 0.77% | 0.78% | +1 bps | |
| Allowance Coverage of NPLs | 0.6x | 3.4x | 3.0x | 3.0x | 2.9x | +2.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.69% | 13.58% | 13.94% | 13.31% | 13.27% | -42 bps | |
| Total Risk-Based Capital | 20.96% | 20.89% | 20.89% | 20.89% | 21.56% | +60 bps | |
| Equity / Assets | 14.50% | 14.73% | 14.80% | 14.14% | 14.24% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.42% | 79.87% | 78.81% | 83.63% | 82.69% | +427 bps | |
| Liquid Assets / Assets | 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 |