Washington, DC · Charter 20730
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 20730
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.28% | 0.02% | 0.11% | 0.03% | 0.07% | -0.54% | -0.95% | -1.12% | -115 bps | |
| Return on Equity | -1.33% | 0.10% | 0.55% | 0.15% | 0.35% | -2.71% | -4.85% | -5.56% | -571 bps | |
| Net Interest Margin | 1.68% | 1.27% | 1.23% | 1.27% | 1.23% | 1.14% | 1.10% | 1.16% | -11 bps | |
| Efficiency Ratio | 100.62% | 87.81% | 90.19% | 95.00% | 93.74% | 121.26% | 154.01% | 166.14% | +7,114 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.15% | 12.35% | 11.90% | 4.81% | 6.95% | 1.41% | -0.69% | -1.03% | -584 bps | |
| Loan Growth (YoY) | 15.85% | -3.65% | -15.55% | -18.22% | -18.10% | -20.67% | -22.73% | -23.92% | -570 bps | |
| Share Growth (YoY) | 5.97% | 16.69% | 15.52% | 6.38% | 8.50% | 1.92% | -0.14% | -0.30% | -669 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 1.85% | 1.93% | 1.74% | 2.33% | 2.03% | 2.56% | 2.21% | +47 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 | 1.53% | 1.26% | 1.23% | 1.31% | 1.66% | 1.84% | 1.73% | 1.85% | +54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.30% | 20.16% | 19.98% | 20.70% | 19.99% | 19.81% | 19.66% | 20.13% | -58 bps | |
| Net Worth / Assets | 21.30% | 20.16% | 19.98% | 20.70% | 19.99% | 19.81% | 19.66% | 20.13% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.58% | 16.88% | 15.30% | 15.17% | 14.02% | 13.14% | 11.84% | 11.58% | -359 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |