Rockville, MD · Charter 24806
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.01% | -3.91% | -2.55% | -2.99% | -2.73% | -2.54% | -2.19% | -1.64% | +134 bps | |
| Return on Equity | -48.78% | -45.43% | -35.94% | -44.99% | -41.14% | -39.90% | -36.40% | -27.87% | +1,712 bps | |
| Net Interest Margin | 2.15% | 2.01% | 2.48% | 2.63% | 2.82% | 2.81% | 2.38% | 2.45% | -18 bps | |
| Efficiency Ratio | 385% | 225% | 171.41% | 176.85% | 158.60% | 150.60% | 138.85% | 135.35% | -4,149 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 476% | 769% | 544% | 129.32% | 53.21% | -6.47% | -15.53% | -13.54% | -14,286 bps | |
| Loan Growth (YoY) | n/a | 2071% | 613% | 79.49% | 40.86% | -2.71% | -19.32% | -20.67% | -10,016 bps | |
| Share Growth (YoY) | n/a | 4415% | 970% | 172.61% | 69.66% | -4.02% | -15.03% | -13.09% | -18,570 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 1.05% | 0.83% | 0.62% | 1.17% | 1.53% | 9.16% | 1.05% | +43 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 | 1.15% | 1.32% | 1.25% | 1.26% | 1.48% | 1.68% | 1.60% | 1.29% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.42% | 8.61% | 7.11% | 6.64% | 6.65% | 6.38% | 6.01% | 5.90% | -74 bps | |
| Net Worth / Assets | 16.42% | 8.61% | 7.11% | 6.64% | 6.65% | 6.38% | 6.01% | 5.90% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.04% | 50.93% | 51.37% | 52.96% | 55.66% | 51.62% | 48.78% | 48.34% | -462 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |