Frederick, MD · Cert 58756
FDIC · 2 branches
Q4 2015
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2015 SOD (annual) · 0.1% share · #58 of 86 inst. · $0.1B 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.19% | 0.10% | 0.24% | 0.34% | 0.37% | 0.52% | 0.15% | -9 bps | |
| Return on Equity | 4.00% | 2.10% | 1.15% | 2.87% | 4.15% | 4.52% | 6.43% | 1.82% | -105 bps | |
| Net Interest Margin | 3.28% | 3.37% | 3.36% | 3.37% | 3.32% | 3.31% | 3.53% | 3.42% | +5 bps | |
| Efficiency Ratio | 82.03% | 89.83% | 95.12% | 85.73% | 79.94% | 81.71% | 71.98% | 86.57% | +84 bps | |
| Non-Interest Burden | 2.68% | 3.02% | 3.19% | 2.88% | 2.64% | 2.69% | 2.52% | 2.95% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.17% | 11.58% | 7.71% | 12.56% | 11.10% | 13.85% | 11.04% | 6.92% | -564 bps | |
| Loan Growth (YoY) | 13.16% | 13.44% | 14.74% | 17.43% | 17.92% | 18.75% | 17.93% | 10.66% | -676 bps | |
| Deposit Growth (YoY) | 12.35% | 8.56% | 5.68% | 8.63% | 9.87% | 14.15% | 10.27% | 3.04% | -559 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 | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.22% | 1.21% | 1.16% | 1.06% | 1.07% | 1.05% | 1.05% | 1.02% | -4 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 | n/a | 8.13% | 7.97% | 8.09% | 8.00% | n/a | |
| Total Risk-Based Capital | 11.39% | 11.40% | 10.60% | 10.35% | 10.23% | 10.25% | 10.34% | 9.86% | -49 bps | |
| Equity / Assets | 8.77% | 8.90% | 8.52% | 8.09% | 8.17% | 8.11% | 8.07% | 7.90% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.61% | 93.38% | 91.83% | 96.63% | 97.26% | 97.14% | 98.21% | 103.78% | +715 bps | |
| Liquid Assets / Assets | 14.20% | 13.12% | 13.34% | 11.18% | 10.86% | 10.86% | 9.77% | 9.93% | -125 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |