PackageTrendsPeer
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Century National Bank

Washington, DC · Cert 23812

FDIC

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Century National Bank

Washington, DC · Cert 23812

FDIC

Q3 2001

$412.5MAssets
$293.0MLoans
$330.6MDeposits
$28.0MEquity
Loan mix
52%RE $71.0M37%C&I $50.8M10%Consumer $14.0MQ4 1999Q3 2001
Deposit mix
84%Interest-bearing $277.2M16%Noninterest $53.4MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 0.12%, down 69 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.45%.
  • Funding: loans stand at 88.62% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.12%1-69 bps YoY

Net Interest Margin (YTD, annualized)

3.72%

Efficiency Ratio (YTD, annualized)

92.44%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.88%Q1 ’017.53%Q2 ’017.38%Q3 ’01-7%+0%

Non-interest income vs. expense

3.76%Q1 ’014.12%Q2 ’014.01%Q3 ’01+13%-2%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.66%0.74%0.84%0.81%0.67%0.30%0.36%10.12%1-69 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.99%3.71%3.72%n/a
Efficiency Ration/an/an/an/an/a79.79%93.85%92.44%n/a
Non-Interest Burdenn/an/an/an/an/a3.04%3.44%3.39%n/a
Growth
Asset Growth (YoY)35.32%35.18%27.46%41.36%42.34%33.15%82.16%45.02%+366 bps
Loan Growth (YoY)20.06%12.86%18.69%38.77%42.58%47.35%93.49%62.03%+2,326 bps
Deposit Growth (YoY)20.65%27.09%18.58%57.17%45.86%27.40%84.97%52.24%-493 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.51%0.56%0.45%n/a
Allowance / Loansn/an/an/an/an/a0.95%1.00%1.20%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a10.03%9.70%9.58%n/a
Equity / Assetsn/an/an/an/an/a7.20%7.12%6.78%n/a
Liquidity & Funding
Loans / Deposits88.59%78.98%87.52%83.27%86.60%91.35%91.55%88.62%+535 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%3.59%4.92%5.91%+591 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a