Washington, DC · Charter 24408
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 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 · Charter 24408
Q3 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.60% | 0.23% | -0.61% | -1.15% | 0.58% | -0.06% | -0.71% | -10 bps | |
| Return on Equity | 3.43% | 2.43% | 0.87% | -2.31% | -4.35% | 2.28% | -0.22% | -2.78% | -47 bps | |
| Net Interest Margin | 3.10% | 2.84% | 2.98% | 1.83% | 1.63% | 1.02% | 0.97% | 0.86% | -97 bps | |
| Efficiency Ratio | 51.23% | 84.76% | 94.06% | 130.24% | 162.47% | 80.41% | 102.20% | 129.90% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.90% | 3.88% | -3.90% | -4.50% | -9.67% | -9.05% | -3.41% | -3.71% | +79 bps | |
| Loan Growth (YoY) | -35.31% | 26.16% | -24.73% | -21.47% | -18.33% | -59.65% | -72.47% | -77.58% | -5,610 bps | |
| Share Growth (YoY) | 2.01% | 4.73% | -5.52% | -6.68% | -11.55% | -10.18% | -2.71% | -2.65% | +403 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 30.48% | 23.38% | 23.14% | 0.00% | 28.00% | 41.49% | 53.24% | 0.00% | 0 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 | 11.13% | 9.38% | 9.29% | 10.98% | 13.63% | 23.26% | 33.74% | 48.97% | +3,799 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.93% | 24.86% | 26.59% | 26.37% | 26.50% | 25.65% | 26.05% | 25.57% | -81 bps | |
| Net Worth / Assets | 24.93% | 24.86% | 26.59% | 26.37% | 26.50% | 25.65% | 26.05% | 25.57% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 8.41% | 9.93% | 11.09% | 9.33% | 7.76% | 4.46% | 3.14% | 2.15% | -718 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |