McLean, VA · Cert 27023
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 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.
McLean, VA · Cert 27023
FDIC
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.16% | -0.20% | -3.45% | 0.33% | -0.27% | -0.51% | -0.57% | +288 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.88% | 4.44% | 4.37% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 105.29% | 108.22% | 107.53% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 5.16% | 4.83% | 4.74% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.46% | 5.52% | 9.48% | -2.31% | -12.14% | -12.60% | -12.39% | 6.85% | +916 bps | |
| Loan Growth (YoY) | 7.15% | 24.37% | 24.94% | 46.43% | 23.01% | 10.20% | 13.58% | 11.65% | -3,478 bps | |
| Deposit Growth (YoY) | -10.20% | -5.06% | 4.32% | 7.54% | -1.56% | 2.84% | 0.68% | 7.93% | +39 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | -0.01% | 0.00% | -0.01% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.22% | 1.21% | 1.21% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 10.08% | 9.29% | 8.49% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 6.34% | 6.35% | 5.78% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.15% | 74.18% | 72.38% | 77.96% | 81.41% | 79.49% | 81.65% | 80.64% | +269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.08% | +308 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |