Bethesda, MD · Cert 32652
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Bethesda, MD · Cert 32652
FDIC
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.91% | 0.51% | 0.61% | 2.85% | 2.47% | 2.87% | 2.11% | +151 bps | |
| Return on Equity | -0.16% | -1.18% | 0.70% | 0.86% | 4.45% | 3.81% | 4.34% | 3.25% | +238 bps | |
| Net Interest Margin | 0.63% | 0.94% | 1.09% | 1.16% | 1.05% | 1.11% | 1.04% | 1.15% | 0 bps | |
| Efficiency Ratio | 74.71% | 86.02% | 82.28% | 83.10% | 76.87% | 78.54% | 76.79% | 80.57% | -253 bps | |
| Non-Interest Burden | 0.87% | 2.01% | 0.24% | 0.15% | -3.77% | -3.09% | -3.88% | -2.57% | -271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -77.48% | -64.62% | 47.76% | 40.58% | 43.58% | -7.85% | -9.46% | -40.65% | -8,123 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | -100.00% | -100.00% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 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 | 90.14% | 139.22% | 148.37% | 155.38% | 159.59% | 142.68% | 136.07% | 139.11% | -1,627 bps | |
| Equity / Assets | 91.62% | 59.02% | 60.76% | 63.29% | 64.68% | 66.83% | 69.85% | 58.47% | -483 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |