Washington, DC · Charter 23904
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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 23904
Q2 2001
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.03% | -0.45% | 3.15% | 2.57% | -0.64% | 0.34% | 0.60% | 1.95% | -62 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 13.90% | 40.74% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.71% | 4.74% | 5.10% | 5.77% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 82.61% | 57.12% | 72.39% | 70.07% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 48.85% | 14.86% | 22.00% | 8.14% | -0.65% | 0.16% | -0.84% | -11.31% | -1,945 bps | |
| Loan Growth (YoY) | 32.02% | 20.39% | 11.09% | 6.34% | -4.50% | -12.08% | 1.07% | 4.35% | -199 bps | |
| Share Growth (YoY) | 46.90% | 13.67% | 21.11% | 7.22% | 0.93% | 1.25% | -0.22% | -10.79% | -1,801 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.21% | 1.80% | 1.39% | 1.43% | 1.46% | 5.76% | 7.42% | 9.37% | +794 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 | 0.58% | 0.13% | 0.75% | 1.45% | 2.10% | 2.63% | 2.17% | 3.40% | +195 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 4.29% | 4.79% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 4.29% | 4.79% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.69% | 71.24% | 68.28% | 66.32% | 63.10% | 61.87% | 69.16% | 77.58% | +1,126 bps | |
| Liquid Assets / Assets | 19.27% | 19.75% | 24.45% | 30.90% | 31.80% | 25.76% | 34.11% | 26.87% | -403 bps | |