Washington, DC · Cert 57941
FDIC · 11 branches
Q1 2016
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2015 SOD (annual) · 0.4% share · #21 of 86 inst. · $1.0B of $216.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.77% | 0.84% | 0.83% | 0.85% | 0.91% | 0.30% | 0.41% | -42 bps | |
| Return on Equity | 6.42% | 7.32% | 7.90% | 7.82% | 8.30% | 9.02% | 2.93% | 4.00% | -382 bps | |
| Net Interest Margin | 3.31% | 3.28% | 3.35% | 3.32% | 3.39% | 3.40% | 3.38% | 3.42% | +9 bps | |
| Efficiency Ratio | 67.77% | 59.76% | 56.90% | 59.68% | 58.25% | 57.95% | 82.13% | 77.78% | +1,810 bps | |
| Non-Interest Burden | 2.20% | 1.91% | 1.85% | 1.93% | 1.92% | 1.92% | 2.76% | 2.64% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.57% | 17.88% | 15.61% | 15.46% | 11.31% | 15.82% | 14.54% | 12.17% | -328 bps | |
| Loan Growth (YoY) | 17.67% | 19.76% | 21.60% | 22.20% | 25.85% | 22.36% | 20.11% | 20.20% | -200 bps | |
| Deposit Growth (YoY) | 8.07% | 10.93% | 14.18% | 13.39% | 14.19% | 16.98% | 15.96% | 8.16% | -523 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.03% | -0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% | +22 bps | |
| Allowance / Loans | 1.11% | 1.10% | 1.11% | 1.10% | 1.10% | 1.08% | 1.08% | 1.02% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 10.77% | 10.62% | 10.43% | 10.46% | 10.34% | -43 bps | |
| Total Risk-Based Capital | 14.28% | 14.11% | 13.62% | 13.14% | 13.10% | 13.04% | 12.52% | 12.16% | -98 bps | |
| Equity / Assets | 10.26% | 10.66% | 10.73% | 10.43% | 10.04% | 10.15% | 10.25% | 10.19% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.30% | 87.25% | 91.70% | 92.02% | 89.60% | 91.27% | 94.98% | 102.26% | +1,024 bps | |
| Liquid Assets / Assets | 5.44% | 5.50% | 5.50% | 5.03% | 5.32% | 4.92% | 4.87% | 4.66% | -37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |