PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Adams National Bank, The

Washington, DC · Cert 22658

FDIC

Q1 2011

$271.1MAssets
$155.2MLoans
$221.6MDeposits
$31.6MEquity
Loan mix
83%RE $76.4M17%C&I $15.4M0%Consumer $0.2MQ1 2010Q1 2011
Deposit mix
67%Interest-bearing $148.2M33%Noninterest $73.4MQ1 2010Q1 2011

NIM

4.95%Q1 ’095.41%Q1 ’104.08%Q1 ’11+48%-29%

Non-interest income vs. expense

3.51%Q1 ’093.30%Q1 ’102.97%Q1 ’11-4%-23%

Executive Summary

  • Earnings: ROA of 0.55%, down 23 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 70.05% of deposits as of Q1 2011.

Financial Results

Return on Assets (quarter, annualized)

0.55%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.39%-137 bps YoY

Efficiency Ratio (quarter, annualized)

70.86%+822 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.79%-0.09%0.40%0.58%0.55%-23 bps
Return on Equity7.26%-0.75%3.44%5.21%4.90%-237 bps
Net Interest Margin4.77%4.24%3.44%3.24%3.39%-137 bps
Efficiency Ratio62.64%69.41%77.42%72.40%70.86%+822 bps
Non-Interest Burden2.99%2.95%2.61%2.13%2.30%-68 bps
Growth
Asset Growth (YoY)-13.22%-10.41%-2.14%-2.01%2.98%+1,620 bps
Loan Growth (YoY)-24.06%-25.52%-24.59%-13.71%-13.39%+1,066 bps
Deposit Growth (YoY)-12.74%-5.94%-1.60%-4.20%4.96%+1,770 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.25%0.01%+1 bps
Allowance / Loans0.25%0.86%0.97%1.03%1.15%+90 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.86%14.25%15.27%16.10%16.35%+349 bps
Equity / Assets11.72%11.75%11.49%10.83%11.66%-7 bps
Liquidity & Funding
Loans / Deposits84.89%78.60%74.91%70.30%70.05%-1,484 bps
Liquid Assets / Assets3.90%10.03%15.24%16.21%13.95%+1,005 bps
CRE / Total Capitaln/an/an/an/an/an/an/a