Washington, DC · Cert 33754
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 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.
Washington, DC · Cert 33754
FDIC
Q1 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.41% | 4.82% | -1.46% | -13.93% | -7.57% | -8.19% | -9.89% | -1.12% | +1,281 bps | |
| Return on Equity | 10.03% | 6.85% | -1.82% | -14.90% | -8.07% | -8.97% | -10.93% | -1.34% | +1,356 bps | |
| Net Interest Margin | 0.44% | 0.78% | 0.29% | 0.32% | 0.36% | 0.31% | 0.42% | 0.70% | +37 bps | |
| Efficiency Ratio | 75.99% | 74.73% | 92.92% | 151.24% | 258% | 341% | 381% | 97.68% | -5,356 bps | |
| Non-Interest Burden | -5.97% | -7.46% | 1.44% | 7.28% | 13.47% | 14.13% | 16.36% | 2.51% | -477 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -43.23% | -29.24% | 59.50% | 231% | 220% | 226% | -0.76% | 4.34% | -22,676 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 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 | 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 | 120.55% | 130.52% | 171.28% | 185.22% | 166.49% | 131.26% | 144.66% | 128.47% | -5,674 bps | |
| Equity / Assets | 87.89% | 95.26% | 95.81% | 91.29% | 94.45% | 84.55% | 86.39% | 80.98% | -1,031 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 | 25.80% | 11.79% | 3.80% | 3.74% | 3.94% | 20.24% | 16.29% | 21.20% | +1,746 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |