Frederick, MD · Cert 57255
FDIC · 5 branches
Q4 2019
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2019 SOD (annual) · 0.1% share · #33 of 75 inst. · $0.4B of $261.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.90% | 0.59% | 0.82% | 0.73% | 0.46% | 0.47% | 0.56% | -26 bps | |
| Return on Equity | 9.31% | 9.08% | 5.86% | 7.98% | 7.12% | 4.57% | 4.71% | 5.40% | -258 bps | |
| Net Interest Margin | 3.50% | 3.49% | 3.43% | 3.50% | 3.35% | 3.09% | 3.25% | 3.15% | -35 bps | |
| Efficiency Ratio | 70.77% | 77.40% | 79.08% | 71.40% | 73.42% | 83.11% | 80.24% | 83.82% | +1,242 bps | |
| Non-Interest Burden | 2.38% | 2.62% | 2.65% | 2.36% | 2.37% | 2.50% | 2.51% | 2.55% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.69% | 4.86% | 6.80% | 3.46% | 5.17% | 7.21% | 6.96% | 3.80% | +35 bps | |
| Loan Growth (YoY) | 4.70% | 5.50% | 4.05% | 5.45% | 5.04% | 8.04% | 5.13% | 2.41% | -305 bps | |
| Deposit Growth (YoY) | 4.35% | 2.11% | 7.35% | 6.28% | 7.37% | 8.39% | 6.66% | 5.90% | -38 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.14% | 0.39% | 0.22% | 0.15% | 0.14% | 0.68% | 0.64% | 0.53% | +38 bps | |
| Net Charge-Offs / Loans | -0.63% | -0.08% | -0.01% | -0.02% | -0.01% | -0.06% | 0.11% | 0.04% | +6 bps | |
| Allowance / Loans | 1.12% | 1.02% | 1.01% | 1.01% | 1.00% | 0.99% | 0.98% | 0.91% | -10 bps | |
| Allowance Coverage of NPLs | 1.0x | 2.6x | 4.7x | 6.9x | 7.2x | 1.4x | 1.5x | 1.7x | -5.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.25% | 10.15% | 10.17% | 10.37% | 10.49% | 10.17% | 10.15% | 10.34% | -3 bps | |
| Total Risk-Based Capital | 12.35% | 12.76% | 12.63% | 12.53% | 12.38% | 12.29% | 12.51% | 12.76% | +23 bps | |
| Equity / Assets | 9.91% | 10.00% | 10.13% | 10.47% | 10.08% | 9.93% | 10.08% | 10.65% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.76% | 91.77% | 92.02% | 96.17% | 91.72% | 91.47% | 90.70% | 92.99% | -318 bps | |
| Liquid Assets / Assets | 11.07% | 11.54% | 10.23% | 7.37% | 9.35% | 10.60% | 11.50% | 8.06% | +69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |