Bethesda, MD · Cert 57942
FDIC · 4 branches
Q3 2016
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2016 SOD (annual) · 0.2% share · #34 of 84 inst. · $0.4B of $223.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.57% | 0.61% | 0.69% | 0.66% | 0.63% | 0.57% | -1.47% | -216 bps | |
| Return on Equity | 2.27% | 6.24% | 6.85% | 7.78% | 7.45% | 7.03% | 6.87% | -19.01% | -2,679 bps | |
| Net Interest Margin | 3.85% | 3.98% | 3.96% | 3.78% | 3.88% | 3.91% | 3.62% | 3.55% | -24 bps | |
| Efficiency Ratio | 70.24% | 73.67% | 75.65% | 72.32% | 68.97% | 68.35% | 74.78% | 177.58% | +10,526 bps | |
| Non-Interest Burden | 2.80% | 2.89% | 3.01% | 2.63% | 2.65% | 2.63% | 2.69% | 5.72% | +309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.62% | 2.88% | 9.33% | 9.96% | 13.82% | 10.90% | 10.63% | 2.04% | -791 bps | |
| Loan Growth (YoY) | 5.60% | 7.83% | 13.53% | 11.62% | 15.37% | 18.54% | 11.38% | 7.63% | -399 bps | |
| Deposit Growth (YoY) | 5.60% | 1.43% | 10.54% | 18.29% | 18.25% | 16.27% | 14.60% | 9.26% | -903 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 | 0.77% | 0.70% | 0.13% | 0.02% | 0.16% | 0.23% | 0.00% | -0.02% | -5 bps | |
| Allowance / Loans | 1.11% | 1.04% | 0.96% | 0.97% | 0.97% | 0.94% | 0.95% | 0.97% | 0 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 | 9.14% | 9.25% | 9.00% | 9.04% | 9.07% | 7.79% | 7.41% | -159 bps | |
| Total Risk-Based Capital | 12.46% | 11.52% | 11.14% | 11.33% | 11.30% | 11.10% | 11.46% | 11.09% | -24 bps | |
| Equity / Assets | 9.15% | 8.98% | 8.87% | 8.83% | 8.83% | 8.96% | 7.72% | 7.72% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.59% | 98.14% | 98.15% | 96.74% | 97.16% | 100.05% | 95.39% | 95.30% | -144 bps | |
| Liquid Assets / Assets | 3.72% | 7.67% | 7.21% | 9.87% | 6.56% | 5.16% | 9.37% | 9.14% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |