Washington, DC · Charter 1349
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Washington, DC · Charter 1349
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.31% | -0.22% | -0.21% | -0.74% | -2.44% | -1.46% | -0.83% | -99.92% | -9,918 bps | |
| Return on Equity | -2.16% | -1.42% | -1.36% | -4.78% | -16.22% | -9.19% | -5.27% | n/a | n/a | |
| Net Interest Margin | 3.07% | 3.45% | 3.81% | 3.06% | 3.51% | 3.89% | 3.85% | 4.65% | +159 bps | |
| Efficiency Ratio | 100.22% | 93.86% | 91.33% | 96.56% | 94.11% | 87.88% | 84.30% | 434% | +33,783 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.62% | -11.55% | -12.22% | -10.35% | -12.53% | -10.04% | -5.14% | -34.09% | -2,373 bps | |
| Loan Growth (YoY) | -0.60% | -1.39% | -4.42% | -9.53% | -10.05% | -12.28% | -13.35% | -34.49% | -2,496 bps | |
| Share Growth (YoY) | -5.03% | -13.13% | -14.02% | -11.73% | -13.22% | -10.48% | -4.89% | -19.62% | -789 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.78% | 4.37% | 6.79% | 5.93% | 7.67% | 10.85% | 11.51% | 6.21% | +28 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 | 1.13% | 0.86% | 0.83% | 0.58% | 2.91% | 3.10% | 1.61% | 4.28% | +371 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.24% | 15.37% | 15.81% | 15.51% | 15.02% | 15.94% | 15.83% | -2.36% | -1,787 bps | |
| Net Worth / Assets | 14.24% | 15.37% | 15.81% | 15.51% | 15.02% | 15.94% | 15.83% | -2.36% | -1,787 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.81% | 83.99% | 83.71% | 77.92% | 79.61% | 82.30% | 76.26% | 63.51% | -1,441 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |