Major Rating Factors:
A current level of 8.7 percent of nonperforming loans to core capital combined with 7.9 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.2 has resulted in Weak (1.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 9.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Comm re (27%), home mtgs (26%), cash (10%), home eq lns (7%), securities (6%), consumer loans (5%), comm loans (4%), other (15%)
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.