Washington, DC · Cert 27206
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 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.
Washington, DC · Cert 27206
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.34% | -0.14% | -0.24% | -0.29% | -1.09% | -0.45% | -0.17% | +7 bps | |
| Return on Equity | -5.60% | -3.80% | -1.52% | -2.65% | -3.29% | -12.74% | -5.90% | -2.20% | +45 bps | |
| Net Interest Margin | 2.41% | 2.62% | 3.06% | 3.15% | 3.25% | 3.37% | 3.75% | 3.92% | +77 bps | |
| Efficiency Ratio | 131.24% | 117.24% | 97.36% | 103.08% | 105.48% | 136.53% | 109.53% | 103.08% | -1 bps | |
| Non-Interest Burden | 3.48% | 3.24% | 2.95% | 3.27% | 3.46% | 4.81% | 4.13% | 4.05% | +78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.25% | 2.78% | -4.88% | -10.52% | -5.15% | -0.02% | -1.92% | -12.54% | -202 bps | |
| Loan Growth (YoY) | -51.45% | -50.70% | -34.50% | 16.32% | 26.65% | 26.96% | 17.06% | 9.66% | -665 bps | |
| Deposit Growth (YoY) | 13.25% | 1.40% | -12.26% | -22.33% | -8.05% | 2.65% | -3.64% | -5.96% | +1,637 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 | -0.87% | -0.69% | -0.08% | -0.31% | -0.16% | -0.12% | 0.00% | 0.00% | +31 bps | |
| Allowance / Loans | 4.20% | 4.24% | 3.90% | 3.64% | 3.64% | 2.61% | 2.51% | 2.41% | -123 bps | |
| 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 | 20.04% | 20.38% | 19.19% | 18.00% | 17.87% | 15.77% | 15.23% | 15.36% | -265 bps | |
| Equity / Assets | 8.62% | 9.09% | 8.95% | 8.82% | 8.46% | 7.56% | 7.59% | 8.19% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 30.41% | 33.78% | 39.24% | 44.48% | 41.89% | 41.77% | 47.67% | 51.87% | +739 bps | |
| Liquid Assets / Assets | 4.49% | 5.05% | 3.68% | 1.44% | 1.15% | 0.95% | 0.99% | 0.84% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |