Laurel, MD · Cert 58640
FDIC · 11 branches
Q1 2020
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2019 SOD (annual) · 0.6% share · #18 of 75 inst. · $1.7B 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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.23% | 1.22% | 1.21% | 1.22% | 1.21% | 1.19% | 0.08% | -113 bps | |
| Return on Equity | 13.70% | 12.91% | 12.47% | 11.13% | 11.19% | 11.25% | 11.12% | 0.76% | -1,037 bps | |
| Net Interest Margin | 3.69% | 3.56% | 3.49% | 3.56% | 3.56% | 3.37% | 3.22% | 3.48% | -7 bps | |
| Efficiency Ratio | 51.76% | 52.03% | 51.65% | 50.16% | 49.45% | 49.20% | 49.78% | 70.22% | +2,005 bps | |
| Non-Interest Burden | 1.83% | 1.79% | 1.74% | 1.72% | 1.68% | 1.59% | 1.54% | 2.39% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.10% | 11.92% | 16.98% | 14.49% | 16.73% | 22.33% | 16.13% | 13.12% | -136 bps | |
| Loan Growth (YoY) | 15.55% | 13.91% | 14.88% | 14.17% | 17.01% | 18.47% | 17.75% | 16.59% | +242 bps | |
| Deposit Growth (YoY) | 10.49% | 10.90% | 16.37% | 9.96% | 11.49% | 19.84% | 12.27% | 11.15% | +119 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.10% | 0.09% | 0.05% | 0.19% | 0.08% | 0.47% | +38 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.00% | -0.01% | 0.02% | 0.02% | 0.77% | +77 bps | |
| Allowance / Loans | 0.86% | 0.88% | 0.90% | 0.91% | 0.92% | 0.93% | 0.94% | 1.01% | +10 bps | |
| Allowance Coverage of NPLs | 9.3x | 9.7x | 9.2x | 9.8x | 19.1x | 4.9x | 11.6x | 2.2x | -7.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.20% | 10.11% | 10.03% | 10.10% | 10.23% | 9.79% | 9.48% | 9.99% | -12 bps | |
| Total Risk-Based Capital | 11.34% | 13.85% | 13.77% | 13.60% | 13.21% | 13.30% | 13.15% | 13.14% | -46 bps | |
| Equity / Assets | 9.06% | 11.04% | 10.79% | 10.96% | 10.90% | 10.41% | 10.65% | 10.82% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.77% | 102.42% | 99.80% | 103.58% | 107.85% | 101.24% | 104.67% | 108.65% | +507 bps | |
| Liquid Assets / Assets | 2.33% | 3.43% | 4.66% | 3.57% | 2.40% | 6.88% | 4.36% | 2.24% | -133 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |