Washington, DC · Charter 15184
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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 15184
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | 0.50% | 1.75% | 1.46% | 2.18% | 2.53% | 2.55% | -0.31% | -177 bps | |
| Return on Equity | -2.11% | 2.69% | 8.97% | 7.74% | 11.98% | 12.63% | 11.89% | -2.28% | -1,002 bps | |
| Net Interest Margin | 4.19% | 4.12% | 4.38% | 3.83% | 4.55% | 4.81% | 4.94% | 3.49% | -34 bps | |
| Efficiency Ratio | 108.88% | 88.55% | 65.53% | 82.62% | 52.30% | 47.73% | 48.74% | 111.44% | +2,882 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.68% | -1.54% | 9.27% | 9.34% | 10.70% | 5.26% | 0.37% | 1.72% | -762 bps | |
| Loan Growth (YoY) | 5.12% | 59.27% | 63.72% | 46.94% | 15.78% | 11.45% | -15.25% | -6.78% | -5,372 bps | |
| Share Growth (YoY) | 5.60% | -2.88% | 9.60% | 8.64% | 9.80% | 3.06% | -2.42% | 9.93% | +129 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.38% | 0.00% | 8.46% | 0.00% | 0.00% | 0.00% | 0.00% | 7.65% | +765 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 | 2.07% | 1.79% | 1.53% | 1.83% | 2.00% | 1.80% | 2.07% | 2.01% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.96% | 18.49% | 19.46% | 18.90% | 18.22% | 20.05% | 21.43% | 13.43% | -547 bps | |
| Net Worth / Assets | 17.96% | 18.49% | 19.46% | 18.90% | 18.22% | 20.05% | 21.43% | 13.43% | -547 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.14% | 42.43% | 50.14% | 45.30% | 38.10% | 45.88% | 43.54% | 38.42% | -689 bps | |
| Liquid Assets / Assets | 66.88% | 61.91% | 56.16% | 60.76% | 66.12% | 60.32% | 62.69% | 64.14% | +338 bps | |