Falls Church, VA · Cert 17092
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.45% | 2.16% | 2.28% | 2.23% | 2.12% | 2.10% | 1.78% | -2.92% | -516 bps | |
| Return on Equity | 35.06% | 31.61% | 32.71% | 30.14% | 29.91% | 30.85% | 26.01% | -20.11% | -5,024 bps | |
| Net Interest Margin | 4.74% | 4.73% | 4.80% | 4.65% | 4.47% | 4.29% | 4.17% | -4.59% | -924 bps | |
| Efficiency Ratio | 37.91% | 43.72% | 41.97% | 42.49% | 42.87% | 43.20% | 45.01% | 70.58% | +2,809 bps | |
| Non-Interest Burden | 0.93% | 1.26% | 1.20% | 1.18% | 1.12% | 0.98% | 1.15% | -0.40% | -158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.93% | 14.27% | 16.77% | 12.60% | 11.50% | 8.84% | 6.99% | 27.25% | +1,464 bps | |
| Loan Growth (YoY) | 4.64% | 9.61% | 7.14% | 1.90% | 0.34% | -4.24% | -5.36% | -0.89% | -279 bps | |
| Deposit Growth (YoY) | 13.10% | 13.55% | 18.15% | 14.35% | 12.95% | 11.66% | 8.99% | 7.61% | -674 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.26% | 0.28% | 0.24% | 0.34% | 0.29% | 0.70% | -0.63% | -87 bps | |
| Allowance / Loans | 1.10% | 1.10% | 1.11% | 1.11% | 1.11% | 1.11% | 1.11% | 1.11% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.30% | 10.02% | 10.77% | 11.47% | 10.36% | 10.76% | 10.05% | 10.97% | -50 bps | |
| Equity / Assets | 6.94% | 6.75% | 7.19% | 7.64% | 6.56% | 7.09% | 6.62% | 21.11% | +1,347 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.58% | 75.86% | 72.90% | 71.58% | 67.14% | 65.06% | 63.30% | 65.93% | -566 bps | |
| Liquid Assets / Assets | 16.03% | 16.74% | 21.21% | 24.62% | 26.97% | 29.30% | 33.29% | 0.00% | -2,462 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |