Washington, DC · Cert 22658
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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 · Cert 22658
FDIC
Q1 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.44% | 0.16% | 0.79% | 0.36% | 0.37% | 0.42% | 0.55% | -23 bps | |
| Return on Equity | -1.65% | -4.67% | 1.65% | 7.26% | 3.21% | 3.29% | 3.79% | 4.90% | -237 bps | |
| Net Interest Margin | 3.42% | 3.46% | 1.14% | 4.77% | 4.58% | 4.13% | 3.75% | 3.39% | -137 bps | |
| Efficiency Ratio | 99.48% | 113.64% | 71.28% | 62.64% | 65.80% | 69.32% | 70.09% | 70.86% | +822 bps | |
| Non-Interest Burden | 3.40% | 3.99% | 0.81% | 2.99% | 3.02% | 2.84% | 2.55% | 2.30% | -68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.54% | -18.07% | -12.16% | -13.22% | -10.41% | -2.14% | -2.01% | 2.98% | +1,620 bps | |
| Loan Growth (YoY) | -16.73% | -18.74% | -28.05% | -24.06% | -25.52% | -24.59% | -13.71% | -13.39% | +1,066 bps | |
| Deposit Growth (YoY) | -22.41% | -18.14% | -10.80% | -12.74% | -5.94% | -1.60% | -4.20% | 4.96% | +1,770 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.58% | 0.03% | 0.00% | 0.01% | 0.00% | 0.07% | 0.01% | +1 bps | |
| Allowance / Loans | 4.37% | 4.16% | 0.05% | 0.25% | 0.86% | 0.97% | 1.03% | 1.15% | +90 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.36% | 13.72% | 12.26% | 12.86% | 14.25% | 15.27% | 16.10% | 16.35% | +349 bps | |
| Equity / Assets | 9.87% | 10.12% | 9.98% | 11.72% | 11.75% | 11.49% | 10.83% | 11.66% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.25% | 97.75% | 78.04% | 84.89% | 78.60% | 74.91% | 70.30% | 70.05% | -1,484 bps | |
| Liquid Assets / Assets | 5.02% | 5.15% | 10.38% | 3.90% | 10.03% | 15.24% | 16.21% | 13.95% | +1,005 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |