Washington, DC · Charter 19528
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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 19528
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 1.56% | 0.65% | 0.64% | 0.48% | 0.94% | -0.69% | -0.33% | -97 bps | |
| Return on Equity | 4.14% | 11.35% | 4.88% | 4.74% | 3.49% | 6.25% | -4.69% | -2.32% | -706 bps | |
| Net Interest Margin | 3.77% | 4.01% | 3.76% | 1.93% | 1.45% | 4.47% | 4.12% | 4.28% | +234 bps | |
| Efficiency Ratio | 82.79% | 60.51% | 79.97% | 65.32% | 50.70% | 66.37% | 89.38% | 93.30% | +2,798 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.21% | 9.69% | 5.08% | 3.41% | 0.57% | -2.42% | -5.02% | -1.83% | -524 bps | |
| Loan Growth (YoY) | 0.33% | -4.73% | 0.13% | -6.02% | 0.48% | -2.31% | -16.70% | -16.82% | -1,080 bps | |
| Share Growth (YoY) | 8.84% | 9.84% | 4.76% | 2.52% | -0.62% | -3.64% | -6.38% | -2.00% | -453 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.01% | 2.39% | 1.80% | 1.01% | 2.20% | 2.45% | 0.76% | 1.43% | +42 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 | 3.17% | 2.38% | 1.91% | 0.48% | 0.47% | 0.83% | 1.76% | 2.32% | +184 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.71% | 13.72% | 13.31% | 13.52% | 13.78% | 15.03% | 14.62% | 14.12% | +60 bps | |
| Net Worth / Assets | 12.71% | 13.72% | 13.31% | 13.52% | 13.78% | 15.03% | 14.62% | 14.12% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.52% | 49.81% | 49.80% | 45.10% | 48.04% | 50.50% | 44.31% | 38.28% | -682 bps | |
| Liquid Assets / Assets | 58.19% | 56.41% | 56.10% | 60.19% | 57.75% | 16.96% | 61.21% | 0.00% | -6,019 bps | |