Major Rating Factors:
A current level of 12.6 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Fair asset quality (4.8). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Weak (1.6) profitability.
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 9.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Home mtgs (28%), comm re (25%), cash (13%), home eq lns (9%), securities (5%), consumer loans (4%), comm loans (2%), other (13%)
States with Branches:
DC, MD, VA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
A. Bruce Cleveland Revocable Living trust
Investment Rating
--
Address
4600 East West Highway
Bethesda, MD 20814
Bethesda, MD 20814
Phone Number
(301) 652-1616
Year Founded
1985
FDIC Number
Website
Largest Affiliates
No affiliate information available.