Fairfax, VA · Charter 20283
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Fairfax, VA · Charter 20283
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.28% | 1.64% | 1.46% | 1.40% | 1.39% | 1.04% | 0.93% | -53 bps | |
| Return on Equity | 12.97% | 13.48% | 17.44% | 15.49% | 15.11% | 14.47% | 10.81% | 8.97% | -653 bps | |
| Net Interest Margin | 3.61% | 3.83% | 4.02% | 3.87% | 3.63% | 3.61% | 3.42% | 3.62% | -25 bps | |
| Efficiency Ratio | 68.88% | 67.80% | 63.45% | 63.88% | 63.33% | 63.66% | 69.61% | 71.09% | +722 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.79% | 20.77% | 19.28% | 13.31% | 13.87% | 15.49% | 12.62% | 2.87% | -1,044 bps | |
| Loan Growth (YoY) | 43.81% | 56.48% | 33.33% | 17.78% | 8.43% | -4.97% | -0.99% | -5.44% | -2,322 bps | |
| Share Growth (YoY) | 26.35% | 20.15% | 19.41% | 13.13% | 13.64% | 16.69% | 12.76% | 1.80% | -1,133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.46% | 0.96% | 0.42% | 0.58% | 0.70% | 1.04% | 0.49% | +7 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 | 0.64% | 0.56% | 0.57% | 0.61% | 0.63% | 0.57% | 0.54% | 0.45% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.96% | 9.46% | 9.41% | 9.44% | 9.24% | 9.58% | 9.60% | 10.36% | +92 bps | |
| Net Worth / Assets | 8.96% | 9.46% | 9.41% | 9.44% | 9.24% | 9.58% | 9.60% | 10.36% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.10% | 77.80% | 69.68% | 68.02% | 63.07% | 63.36% | 61.18% | 63.18% | -483 bps | |
| Liquid Assets / Assets | 8.14% | 3.37% | 12.50% | 5.62% | 15.29% | 17.62% | 13.25% | 15.73% | +1,010 bps | |