Washington, DC · Charter 16412
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | -0.58% | -0.77% | -0.96% | -0.60% | -0.49% | -0.56% | -4.24% | -328 bps | |
| Return on Equity | 1.09% | -3.88% | -5.25% | -6.60% | -4.34% | -3.50% | -4.10% | -40.86% | -3,426 bps | |
| Net Interest Margin | 2.57% | 2.70% | 2.65% | 2.62% | 2.12% | 2.11% | 2.06% | 2.04% | -59 bps | |
| Efficiency Ratio | 96.69% | 95.77% | 104.06% | 107.21% | 107.86% | 105.59% | 109.02% | 191.68% | +8,447 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.09% | 2.82% | 1.79% | -2.63% | -0.79% | 0.37% | 1.31% | -0.52% | +211 bps | |
| Loan Growth (YoY) | -19.09% | -21.24% | -24.67% | -24.40% | -21.47% | -21.26% | -20.81% | -24.05% | +35 bps | |
| Share Growth (YoY) | 8.20% | 4.81% | 3.69% | -0.93% | 1.13% | 1.46% | 2.27% | -0.33% | +60 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.89% | 0.98% | 0.57% | 1.02% | 1.21% | 0.49% | 0.35% | 0.85% | -16 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 | 1.01% | 1.78% | 1.54% | 1.92% | 1.95% | 1.57% | 1.61% | 1.70% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.74% | 14.92% | 14.73% | 14.55% | 13.76% | 13.97% | 13.75% | 10.39% | -417 bps | |
| Net Worth / Assets | 14.74% | 14.92% | 14.73% | 14.55% | 13.76% | 13.97% | 13.75% | 10.39% | -417 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.36% | 35.64% | 33.02% | 31.93% | 28.23% | 27.65% | 25.57% | 24.33% | -760 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |