Falls Church, VA · Cert 32266
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 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.
Falls Church, VA · Cert 32266
FDIC
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | -0.47% | -0.21% | 0.09% | -0.39% | 0.50% | 0.47% | 0.62% | +53 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.21% | 2.81% | 3.50% | n/a | |
| Net Interest Margin | n/a | 1.73% | 1.82% | 2.01% | 2.14% | 1.60% | 1.80% | 1.97% | -4 bps | |
| Efficiency Ratio | n/a | 74.59% | 74.15% | 65.94% | 120.16% | 97.87% | 95.64% | 84.68% | +1,874 bps | |
| Non-Interest Burden | n/a | 1.18% | 1.21% | 1.06% | 2.58% | 1.55% | 1.70% | 1.52% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.98% | -8.31% | -8.43% | -11.01% | -21.03% | -26.94% | -34.06% | -35.72% | -2,471 bps | |
| Loan Growth (YoY) | -10.19% | -5.16% | -1.29% | -4.26% | -40.76% | -44.29% | -48.03% | -50.59% | -4,634 bps | |
| Deposit Growth (YoY) | -21.11% | -12.07% | -6.53% | -1.39% | -0.03% | -10.15% | -24.63% | -31.78% | -3,039 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 | 1.63% | 1.36% | 0.99% | 1.33% | -0.17% | 0.04% | 0.08% | -91 bps | |
| Allowance / Loans | n/a | 1.45% | 1.35% | 1.47% | 1.59% | 1.40% | 1.24% | 1.20% | -28 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 | n/a | 22.54% | 20.48% | 22.09% | 34.59% | 35.91% | 39.10% | 45.07% | +2,297 bps | |
| Equity / Assets | n/a | 12.24% | 12.00% | 12.83% | 15.24% | 16.19% | 19.19% | 20.98% | +816 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 129.74% | 127.15% | 130.52% | 122.94% | 76.88% | 78.84% | 90.00% | 89.03% | -3,390 bps | |
| Liquid Assets / Assets | 0.00% | 6.47% | 1.10% | 2.82% | 28.78% | 28.67% | 21.46% | 25.12% | +2,230 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |