Alexandria, VA · Charter 10314
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Alexandria, VA · Charter 10314
Q2 2000
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.88% | 3.96% | 3.27% | 4.05% | 3.76% | 3.21% | -0.33% | -0.54% | -459 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 3.58% | 3.40% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 109.15% | 112.36% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.02% | 9.43% | 3.85% | -13.29% | -10.77% | -5.70% | 0.50% | -6.17% | +712 bps | |
| Loan Growth (YoY) | -1.97% | -20.68% | -27.11% | -25.60% | -24.73% | -14.87% | -28.80% | -24.92% | +68 bps | |
| Share Growth (YoY) | 1.86% | 7.54% | 3.21% | -14.33% | -11.37% | -5.73% | 0.35% | -7.17% | +716 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.11% | 11.07% | 8.09% | 5.72% | 17.48% | 14.72% | 10.81% | 19.85% | +1,413 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.71% | 4.10% | 0.44% | 3.02% | 3.62% | 3.85% | 0.12% | 1.04% | -199 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.98% | 72.17% | 77.44% | 83.72% | 69.62% | 65.18% | 54.94% | 67.71% | -1,601 bps | |
| Liquid Assets / Assets | 25.76% | 9.96% | 24.50% | 11.28% | 17.37% | 31.32% | 32.02% | 17.13% | +585 bps | |