Washington, DC · Charter 2942
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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 · Charter 2942
Q1 2015
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | -0.49% | -1.00% | 0.51% | 0.50% | 0.53% | 0.47% | -4.59% | -510 bps | |
| Return on Equity | 1.79% | -5.52% | -11.86% | 6.12% | 5.74% | 5.97% | 5.16% | -57.16% | -6,329 bps | |
| Net Interest Margin | 3.83% | 3.94% | 4.04% | 3.89% | 4.04% | 4.10% | 4.15% | 4.06% | +17 bps | |
| Efficiency Ratio | 86.00% | 85.00% | 83.61% | 81.53% | 82.52% | 81.77% | 79.17% | 77.93% | -360 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.97% | -4.56% | -5.75% | -0.83% | -4.40% | -3.65% | -2.38% | -6.63% | -580 bps | |
| Loan Growth (YoY) | -3.90% | -3.11% | -1.51% | -2.33% | -5.29% | -4.39% | -5.05% | -6.03% | -370 bps | |
| Share Growth (YoY) | -1.57% | -4.63% | -7.63% | 0.59% | -3.81% | -3.78% | -0.76% | -6.47% | -706 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.72% | 5.16% | 3.92% | 3.24% | 2.48% | 6.95% | 6.11% | 5.49% | +225 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 | 2.61% | 3.32% | 3.92% | 4.04% | 3.38% | 3.04% | 3.47% | 4.83% | +79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.10% | 8.86% | 8.44% | 8.26% | 8.67% | 8.96% | 9.10% | 8.04% | -22 bps | |
| Net Worth / Assets | 9.10% | 8.86% | 8.44% | 8.26% | 8.67% | 8.96% | 9.10% | 8.04% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.48% | 43.88% | 45.87% | 42.19% | 42.81% | 43.60% | 43.89% | 42.39% | +20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |