Washington, DC · Charter 11177
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.63% | 1.44% | 0.90% | 0.63% | 0.57% | 0.08% | 0.58% | -32 bps | |
| Return on Equity | 13.06% | 11.92% | 10.27% | 6.39% | 4.42% | 3.96% | 0.54% | 3.93% | -246 bps | |
| Net Interest Margin | 3.08% | 3.11% | 3.02% | 2.25% | 2.22% | 1.59% | 1.54% | 1.86% | -39 bps | |
| Efficiency Ratio | 46.27% | 49.25% | 54.11% | 61.44% | 72.45% | 98.52% | 95.20% | 69.76% | +832 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.11% | -2.00% | -1.01% | -1.65% | -2.49% | -1.56% | -0.55% | -1.93% | -28 bps | |
| Loan Growth (YoY) | -7.96% | -23.40% | -26.18% | -40.17% | -40.67% | -32.05% | -38.17% | -28.81% | +1,136 bps | |
| Share Growth (YoY) | -7.97% | -3.66% | -2.57% | -2.99% | -3.26% | -3.03% | -0.74% | -2.33% | +66 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 1.47% | 1.37% | 1.06% | 0.74% | 0.84% | 0.29% | 3.94% | +288 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 | 3.36% | 4.19% | 4.31% | 7.29% | 7.22% | 3.23% | 3.65% | 4.16% | -313 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.15% | 13.68% | 14.01% | 14.09% | 14.28% | 14.47% | 14.31% | 14.78% | +68 bps | |
| Net Worth / Assets | 13.15% | 13.68% | 14.01% | 14.09% | 14.28% | 14.47% | 14.31% | 14.78% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.46% | 19.78% | 19.21% | 14.67% | 15.00% | 13.86% | 11.97% | 10.69% | -398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |