Washington, DC · Charter 20265
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.53% | 3.36% | 2.20% | 0.05% | 0.23% | 0.01% | -5.22% | -2.88% | -293 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.05% | -23.30% | -11.94% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.18% | 4.32% | 4.49% | 4.33% | 4.55% | +37 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 98.79% | 94.77% | 99.71% | 99.87% | 101.25% | +246 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.82% | -25.09% | -30.84% | -29.12% | -19.32% | -17.69% | -13.61% | -21.21% | +791 bps | |
| Loan Growth (YoY) | 10.73% | 3.29% | -24.62% | -39.48% | -40.59% | -22.74% | -27.11% | -38.46% | +102 bps | |
| Share Growth (YoY) | -25.96% | -31.79% | -38.41% | -34.85% | -23.48% | -21.29% | -14.54% | -24.17% | +1,068 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.26% | 0.00% | 0.00% | 1.97% | 14.04% | 18.56% | 30.37% | +3,037 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 | 3.53% | 4.10% | 6.02% | 5.94% | 7.01% | 6.25% | 17.70% | 4.39% | -155 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 24.39% | 22.40% | 24.15% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 24.39% | 22.40% | 24.15% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.02% | 48.86% | 43.32% | 42.91% | 38.84% | 47.96% | 36.95% | 34.83% | -809 bps | |
| Liquid Assets / Assets | 41.67% | 44.94% | 49.49% | 34.48% | 53.67% | 65.68% | 76.45% | 74.68% | +4,020 bps | |