PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

FBR National Bank & Trust

Bethesda, MD · Cert 32652

FDIC

Q4 2005

$18.4MAssets
n/aLoans
n/aDeposits
$10.8MEquity

Executive Summary

  • Earnings: ROA of 2.11%, up 151 bps year over year; NIM at 1.15%.

Return on Assets (YTD, annualized)

2.11%+151 bps YoY

Net Interest Margin (YTD, annualized)

1.15%0 bps YoY

Efficiency Ratio (YTD, annualized)

80.57%-253 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.75%Q4 ’031.52%Q4 ’042.29%Q4 ’05-58%0%

Non-interest income vs. expense

46.29%Q4 ’0328.72%Q4 ’0430.38%Q4 ’05-79%-1843%

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
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 Margin0.63%0.94%1.09%1.16%1.05%1.11%1.04%1.15%0 bps
Efficiency Ratio74.71%86.02%82.28%83.10%76.87%78.54%76.79%80.57%-253 bps
Non-Interest Burden0.87%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/an/an/an/an/an/an/a
Deposit Growth (YoY)-100.00%-100.00%n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital90.14%139.22%148.37%155.38%159.59%142.68%136.07%139.11%-1,627 bps
Equity / Assets91.62%59.02%60.76%63.29%64.68%66.83%69.85%58.47%-483 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a