Arlington, VA · Cert 27249
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Arlington, VA · Cert 27249
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.06% | 1.13% | 1.15% | 1.04% | 1.13% | 1.17% | 1.19% | +4 bps | |
| Return on Equity | 8.24% | 9.08% | 9.54% | 9.92% | 9.79% | 10.60% | 10.73% | 10.87% | +95 bps | |
| Net Interest Margin | 3.81% | 3.79% | 3.70% | 3.74% | 3.76% | 3.77% | 3.90% | 3.87% | +13 bps | |
| Efficiency Ratio | 53.95% | 52.23% | 51.38% | 52.02% | 56.51% | 51.66% | 50.53% | 49.66% | -236 bps | |
| Non-Interest Burden | 1.90% | 1.83% | 1.74% | 1.78% | 1.97% | 1.79% | 1.81% | 1.77% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.13% | 7.85% | 2.12% | -3.91% | -2.40% | -6.00% | -8.27% | -2.79% | +111 bps | |
| Loan Growth (YoY) | -1.39% | 1.63% | -0.03% | 0.61% | 2.17% | -2.13% | -4.74% | -6.04% | -665 bps | |
| Deposit Growth (YoY) | -0.58% | 0.18% | -6.42% | -1.95% | -2.34% | -3.17% | -5.15% | -7.56% | -561 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 | 1.74% | 1.03% | 1.21% | 0.94% | 0.48% | 0.56% | 0.52% | 0.55% | -39 bps | |
| Allowance / Loans | 2.11% | 2.13% | 1.91% | 1.94% | 1.91% | 1.92% | 1.99% | 1.88% | -6 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 | 16.19% | 16.46% | 17.06% | 14.08% | 14.42% | 15.11% | 16.19% | 15.71% | +163 bps | |
| Equity / Assets | 11.75% | 11.78% | 12.15% | 10.63% | 10.63% | 10.83% | 11.43% | 11.02% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.61% | 96.76% | 97.27% | 97.58% | 100.02% | 97.80% | 97.69% | 99.18% | +160 bps | |
| Liquid Assets / Assets | 4.29% | 6.23% | 7.35% | 0.64% | 3.24% | 3.68% | 3.98% | 4.09% | +345 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |