Sterling, VA · Cert 33583
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 1.24% | 1.14% | 1.21% | 0.80% | 1.16% | 1.09% | 0.59% | -63 bps | |
| Return on Equity | 6.59% | 16.62% | 15.69% | 17.13% | 11.95% | 17.92% | 16.17% | 8.65% | -848 bps | |
| Net Interest Margin | 3.83% | 3.86% | 4.03% | 3.79% | 3.58% | 3.66% | 3.54% | 3.50% | -29 bps | |
| Efficiency Ratio | 77.80% | 48.60% | 53.81% | 50.92% | 47.00% | 46.68% | 47.93% | 66.50% | +1,558 bps | |
| Non-Interest Burden | 2.95% | 1.75% | 2.07% | 1.81% | 1.57% | 1.55% | 1.54% | 2.24% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.22% | 9.70% | 15.36% | 17.30% | 21.83% | 23.32% | 12.80% | 7.50% | -980 bps | |
| Loan Growth (YoY) | 10.42% | 24.77% | 30.38% | 30.87% | 30.18% | 26.81% | 16.94% | 16.67% | -1,419 bps | |
| Deposit Growth (YoY) | 7.41% | -1.86% | 8.04% | 17.52% | 17.79% | 14.62% | 9.24% | 0.81% | -1,672 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 | 0.37% | 0.36% | 0.15% | 0.13% | 0.03% | 0.90% | 1.44% | 0.32% | +18 bps | |
| Allowance / Loans | 1.18% | 1.12% | 1.11% | 1.14% | 1.36% | 1.23% | 1.03% | 1.02% | -12 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 | 11.56% | 11.15% | 10.46% | 11.94% | 11.35% | 10.95% | 10.86% | 10.69% | -125 bps | |
| Equity / Assets | 7.56% | 7.38% | 7.14% | 7.03% | 6.36% | 6.62% | 6.86% | 6.73% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.86% | 93.27% | 94.65% | 89.42% | 92.68% | 103.20% | 101.31% | 103.49% | +1,408 bps | |
| Liquid Assets / Assets | 3.64% | 3.30% | 3.44% | 5.17% | 4.09% | 3.53% | 3.56% | 3.67% | -150 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |