McLean, VA · Cert 34466
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
McLean, VA · Cert 34466
FDIC
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 41.19% | 39.62% | 37.81% | 27.51% | 25.39% | 24.04% | 24.28% | 21.02% | -649 bps | |
| Return on Equity | n/a | n/a | n/a | 30.51% | 27.97% | 26.47% | 26.69% | 22.51% | -799 bps | |
| Net Interest Margin | 1.31% | 1.10% | 0.88% | 0.36% | 0.36% | 0.35% | 0.33% | 0.26% | -10 bps | |
| Efficiency Ratio | 48.52% | 48.52% | 48.21% | 51.27% | 53.11% | 53.54% | 51.53% | 50.61% | -66 bps | |
| Non-Interest Burden | -62.71% | -57.81% | -53.20% | -46.35% | -41.19% | -37.87% | -37.37% | -34.04% | +1,231 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 58.01% | 39.10% | 41.06% | 41.08% | 33.70% | 32.86% | 28.08% | 22.10% | -1,898 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 | 252% | 273% | 273% | 295% | 187.82% | 191.85% | 212% | 223% | -7,213 bps | |
| Equity / Assets | 87.59% | 90.24% | 89.62% | 90.73% | 91.78% | 91.05% | 91.48% | 95.22% | +450 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 | 23.62% | 21.95% | 19.85% | 18.62% | 0.00% | 0.00% | 0.00% | 0.00% | -1,862 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |