Fort Washington, MD · Charter 24595
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Fort Washington, MD · Charter 24595
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.53% | 2.22% | 2.50% | 2.69% | 3.60% | 3.60% | 3.57% | 4.04% | +135 bps | |
| Return on Equity | 29.55% | 25.54% | 30.72% | 30.70% | 31.08% | 28.51% | 24.46% | 22.83% | -787 bps | |
| Net Interest Margin | 4.37% | 3.73% | 3.41% | 3.69% | 4.65% | 5.00% | 5.08% | 5.85% | +216 bps | |
| Efficiency Ratio | 35.27% | 45.71% | 34.24% | 31.71% | 27.00% | 29.73% | 27.09% | 30.23% | -148 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.17% | -5.52% | 20.71% | 21.13% | 7.14% | 0.60% | -22.11% | -33.37% | -5,450 bps | |
| Loan Growth (YoY) | -40.23% | -39.35% | -33.88% | -10.84% | -1.34% | -6.27% | -18.09% | -40.21% | -2,937 bps | |
| Share Growth (YoY) | -2.44% | -8.80% | 19.38% | 19.79% | 3.32% | -3.03% | -27.72% | -40.00% | -5,979 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.49% | 19.97% | 18.68% | 21.31% | 21.76% | 23.92% | 0.01% | 25.24% | +392 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 | 7.13% | 8.07% | 8.10% | 6.45% | 7.14% | 8.52% | 4.98% | 5.43% | -102 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.56% | 8.69% | 8.13% | 8.75% | 11.59% | 12.64% | 14.60% | 17.71% | +895 bps | |
| Net Worth / Assets | 8.56% | 8.69% | 8.13% | 8.75% | 11.59% | 12.64% | 14.60% | 17.71% | +895 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.81% | 12.50% | 10.37% | 12.86% | 14.14% | 12.09% | 11.75% | 12.81% | -5 bps | |
| Liquid Assets / Assets | 38.19% | 63.35% | 18.28% | 29.29% | 45.23% | 46.75% | 0.00% | 0.00% | -2,929 bps | |