Washington, DC · Charter 18043
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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 18043
Q2 2002
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.90% | 4.37% | 0.87% | 1.12% | 1.18% | 0.70% | 0.48% | -4.81% | -593 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.95% | 4.34% | 2.66% | -20.98% | n/a | |
| Net Interest Margin | n/a | n/a | 3.72% | 3.76% | 4.09% | 3.77% | 3.61% | 4.16% | +40 bps | |
| Efficiency Ratio | n/a | n/a | 77.18% | 71.01% | 71.77% | 81.89% | 87.00% | 830% | +75,862 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.02% | -20.42% | -25.17% | -10.49% | -13.59% | -0.61% | -3.56% | -35.89% | -2,540 bps | |
| Loan Growth (YoY) | -47.95% | -50.81% | -42.26% | -23.06% | -4.59% | -5.81% | -12.85% | -37.81% | -1,475 bps | |
| Share Growth (YoY) | -10.63% | -23.87% | -28.79% | -12.93% | -18.73% | -4.54% | -6.69% | -42.64% | -2,971 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.50% | 8.81% | 5.09% | 3.27% | 13.36% | 3.01% | 7.13% | 7.32% | +406 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 | 4.11% | 5.34% | 4.77% | 4.11% | 3.61% | 2.90% | 2.79% | 3.03% | -108 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 16.97% | 16.11% | 18.10% | 22.93% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 16.97% | 16.11% | 18.10% | 22.93% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.07% | 52.23% | 53.60% | 56.40% | 58.78% | 51.54% | 50.07% | 61.15% | +475 bps | |
| Liquid Assets / Assets | 27.47% | 31.55% | 31.96% | 29.63% | 50.76% | 56.76% | 55.65% | 52.82% | +2,319 bps | |