Cambridge, MD · Cert 4829
FDIC · 6 branches
Q3 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 0.99% | 1.14% | 1.10% | 1.11% | 0.59% | 1.02% | 0.92% | -18 bps | |
| Return on Equity | 10.08% | 7.23% | 8.10% | 7.56% | 7.60% | 3.99% | 7.09% | 6.45% | -111 bps | |
| Net Interest Margin | 3.72% | 3.54% | 3.56% | 3.43% | 3.41% | 3.28% | 3.04% | 3.21% | -22 bps | |
| Efficiency Ratio | 54.67% | 65.46% | 62.02% | 60.03% | 55.62% | 69.41% | 56.94% | 63.47% | +345 bps | |
| Non-Interest Burden | 1.73% | 2.20% | 1.99% | 1.90% | 1.67% | 2.16% | 1.59% | 1.93% | +3 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 | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0 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 |