Landover, MD · Charter 24599
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Landover, MD · Charter 24599
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.35% | 13.33% | 9.01% | 0.75% | 1.24% | -9.74% | -7.06% | 5.67% | +493 bps | |
| Return on Equity | 40.13% | 92.79% | 70.47% | 5.75% | 7.86% | -108.13% | -70.71% | n/a | n/a | |
| Net Interest Margin | 7.38% | 6.77% | 5.97% | 5.88% | 6.79% | 7.04% | 7.17% | 13.01% | +713 bps | |
| Efficiency Ratio | 68.74% | 33.40% | 42.24% | 94.81% | 84.37% | 83.46% | 82.66% | 67.36% | -2,745 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.41% | 10.30% | 30.87% | 18.56% | 3.79% | -9.32% | -24.96% | -54.80% | -7,336 bps | |
| Loan Growth (YoY) | 1.39% | -6.43% | -12.21% | -9.50% | -5.33% | -17.23% | -19.32% | -40.79% | -3,129 bps | |
| Share Growth (YoY) | -4.67% | -0.97% | 21.67% | 8.27% | -7.06% | -3.75% | -22.13% | -57.37% | -6,564 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.60% | 2.60% | 5.37% | 13.19% | 13.64% | 7.12% | 8.21% | 10.76% | -243 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 | 4.51% | 4.47% | 4.76% | 4.68% | 4.10% | 8.69% | 10.01% | 7.90% | +322 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.85% | 14.36% | 12.79% | 12.99% | 15.83% | 9.01% | 9.98% | -2.64% | -1,563 bps | |
| Net Worth / Assets | 5.85% | 14.36% | 12.79% | 12.99% | 15.83% | 9.01% | 9.98% | -2.64% | -1,563 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.03% | 70.49% | 57.41% | 56.49% | 70.31% | 60.62% | 59.48% | 78.46% | +2,197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |