Bethesda, MD · Cert 32652
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 2.85% | 2.09% | 3.68% | -1.04% | -188 bps | |
| Return on Equity | 1.35% | 4.45% | 3.18% | 5.39% | -1.59% | -294 bps | |
| Net Interest Margin | 1.33% | 1.05% | 1.14% | 0.84% | 1.01% | -31 bps | |
| Efficiency Ratio | 85.38% | 76.87% | 80.29% | 73.30% | 105.58% | +2,019 bps | |
| Non-Interest Burden | -0.13% | -3.77% | -2.33% | -5.27% | 3.18% | +331 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 40.58% | 43.58% | -7.85% | -9.46% | -40.65% | -8,123 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 155.38% | 159.59% | 142.68% | 136.07% | 139.11% | -1,627 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |