Rockville, MD · Cert 32654
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.
Rockville, MD · Cert 32654
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 | -0.97% | -0.35% | -0.83% | -0.87% | -0.93% | -1.83% | -1.45% | -1.43% | -57 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -18.50% | -14.92% | -15.16% | n/a | |
| Net Interest Margin | n/a | 2.82% | 2.46% | 2.36% | 2.49% | 1.96% | 2.01% | 2.12% | -25 bps | |
| Efficiency Ratio | n/a | 122.89% | 133.30% | 131.14% | 131.91% | 168.10% | 144.88% | 145.67% | +1,453 bps | |
| Non-Interest Burden | n/a | 3.58% | 3.51% | 3.34% | 3.55% | 3.81% | 3.48% | 3.56% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.45% | -4.42% | -0.12% | -6.33% | -6.36% | -4.90% | -13.30% | -3.62% | +271 bps | |
| Loan Growth (YoY) | -12.01% | -12.89% | -11.34% | -14.92% | -8.29% | -7.94% | -7.22% | 4.16% | +1,908 bps | |
| Deposit Growth (YoY) | -10.78% | -6.30% | -6.61% | -10.74% | -9.27% | -6.54% | -11.06% | -0.01% | +1,073 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 | 0.91% | -0.28% | -0.03% | 0.31% | 0.25% | 0.60% | 0.30% | +33 bps | |
| Allowance / Loans | n/a | 2.75% | 3.19% | 3.15% | 2.77% | 2.84% | 2.65% | 2.47% | -68 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 | 12.01% | 20.80% | 21.92% | 22.02% | 20.18% | 19.41% | 17.36% | -456 bps | |
| Equity / Assets | n/a | 6.01% | 9.74% | 10.26% | 10.13% | 9.62% | 9.46% | 8.57% | -168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.11% | 73.75% | 72.05% | 74.42% | 75.93% | 72.65% | 75.15% | 77.52% | +311 bps | |
| Liquid Assets / Assets | 0.00% | 17.81% | 23.00% | 21.41% | 20.87% | 21.79% | 19.06% | 19.04% | -237 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |