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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 0.92% | 0.81% | 0.82% | 0.73% | 0.59% | 0.55% | 0.56% | -26 bps | |
| Return on Equity | 9.31% | 9.19% | 8.07% | 8.04% | 7.12% | 5.83% | 5.46% | 5.44% | -260 bps | |
| Net Interest Margin | 3.50% | 3.45% | 3.42% | 3.45% | 3.35% | 3.16% | 3.16% | 3.17% | -27 bps | |
| Efficiency Ratio | 70.77% | 74.14% | 75.78% | 74.63% | 73.42% | 78.23% | 78.93% | 80.19% | +556 bps | |
| Non-Interest Burden | 2.38% | 2.46% | 2.51% | 2.48% | 2.37% | 2.39% | 2.41% | 2.46% | -2 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% | -0.36% | -0.24% | -0.18% | -0.01% | -0.03% | 0.01% | 0.02% | +20 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 |