Washington, DC · Charter 16300
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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 16300
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.61% | -0.05% | 0.90% | 1.25% | 0.21% | 0.04% | 1.69% | +80 bps | |
| Return on Equity | 8.83% | 10.09% | -0.32% | 6.87% | 9.39% | 1.45% | 0.31% | 11.22% | +435 bps | |
| Net Interest Margin | 3.21% | 3.59% | 2.35% | 2.51% | 2.48% | 1.81% | 1.59% | 3.05% | +54 bps | |
| Efficiency Ratio | 59.39% | 55.47% | 102.01% | 64.30% | 49.52% | 88.41% | 97.19% | 44.52% | -1,978 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.60% | -3.46% | -2.53% | 6.48% | 10.32% | 5.40% | 3.37% | -12.55% | -1,903 bps | |
| Loan Growth (YoY) | -17.93% | 2.24% | -7.65% | -9.76% | -18.22% | -15.84% | -23.72% | -21.20% | -1,145 bps | |
| Share Growth (YoY) | -0.09% | -5.61% | -2.91% | 8.09% | 12.12% | 7.77% | 3.91% | -14.61% | -2,270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 3.69% | 3.21% | 4.00% | 4.54% | 5.44% | 4.61% | 5.24% | 5.77% | +122 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.74% | 15.92% | 15.04% | 13.04% | 13.36% | 14.52% | 14.60% | 15.09% | +205 bps | |
| Net Worth / Assets | 14.74% | 15.92% | 15.04% | 13.04% | 13.36% | 14.52% | 14.60% | 15.09% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 5.18% | 6.53% | 6.20% | 4.54% | 3.78% | 5.10% | 4.55% | 4.19% | -35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |