Washington, DC · Cert 57696
FDIC · 19 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Washington, DC · Cert 57696
FDIC · 19 branches
Q4 2017
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2017 SOD (annual) · 0.7% share · #17 of 81 inst. · $1.8B of $240.8B
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.07% | 1.10% | 1.09% | 0.98% | 1.09% | 1.13% | 0.77% | -32 bps | |
| Return on Equity | 9.11% | 9.46% | 9.82% | 9.89% | 9.22% | 10.14% | 10.35% | 7.12% | -276 bps | |
| Net Interest Margin | 3.59% | 3.38% | 3.46% | 3.36% | 3.47% | 3.46% | 3.46% | 3.49% | +13 bps | |
| Efficiency Ratio | 60.61% | 63.23% | 62.38% | 61.23% | 59.34% | 57.91% | 57.52% | 62.58% | +135 bps | |
| Non-Interest Burden | 1.75% | 1.66% | 1.60% | 1.53% | 1.68% | 1.56% | 1.55% | 1.82% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.19% | 21.40% | 19.91% | 19.46% | 17.00% | 12.37% | 7.21% | 5.53% | -1,393 bps | |
| Loan Growth (YoY) | 26.99% | 22.22% | 16.30% | 16.52% | 17.42% | 16.86% | 11.33% | 9.71% | -681 bps | |
| Deposit Growth (YoY) | 19.39% | 24.63% | 17.62% | 13.85% | 18.32% | 11.98% | 9.73% | 5.40% | -845 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.34% | 1.01% | 1.36% | 1.31% | +131 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.18% | 0.18% | 0.17% | 0.02% | 0.17% | 0.14% | 0.10% | -6 bps | |
| Allowance / Loans | 0.89% | 0.87% | 0.87% | 0.87% | 0.89% | 0.83% | 0.85% | 0.85% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.7x | 0.8x | 0.6x | 0.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.13% | 10.65% | 10.94% | 10.74% | 10.84% | 10.85% | 10.92% | 10.47% | -27 bps | |
| Total Risk-Based Capital | 13.68% | 13.56% | 13.75% | 13.15% | 13.57% | 13.37% | 13.81% | 12.79% | -36 bps | |
| Equity / Assets | 11.34% | 11.04% | 10.89% | 10.48% | 10.81% | 10.93% | 11.31% | 10.49% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.18% | 92.35% | 96.60% | 101.95% | 96.44% | 96.38% | 98.01% | 106.12% | +417 bps | |
| Liquid Assets / Assets | 1.96% | 3.52% | 4.75% | 1.47% | 1.03% | 0.06% | 0.43% | 0.67% | -80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |