Arlington, VA · Cert 34716
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Arlington, VA · Cert 34716
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.83% | 0.71% | 0.77% | 0.87% | 0.93% | 0.84% | 0.69% | -8 bps | |
| Return on Equity | 10.87% | 10.87% | 9.77% | 10.54% | 11.40% | 11.94% | 10.16% | 8.34% | -220 bps | |
| Net Interest Margin | 3.32% | 2.99% | 3.73% | 3.53% | 3.53% | 3.57% | 3.71% | 3.62% | +9 bps | |
| Efficiency Ratio | 58.73% | 60.10% | 62.61% | 61.34% | 60.27% | 59.38% | 63.28% | 70.12% | +878 bps | |
| Non-Interest Burden | 1.83% | 1.69% | 2.22% | 2.05% | 2.00% | 1.99% | 2.24% | 2.44% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.93% | 51.82% | 42.87% | 54.18% | 25.81% | 19.31% | 18.44% | 3.05% | -5,112 bps | |
| Loan Growth (YoY) | 48.98% | 49.16% | 55.25% | 64.53% | 58.44% | 50.52% | 35.49% | 23.59% | -4,095 bps | |
| Deposit Growth (YoY) | 43.36% | 57.55% | 47.08% | 54.23% | 15.13% | 17.68% | 9.83% | -7.43% | -6,166 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 | 0.08% | 0.06% | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.12% | 1.10% | 1.09% | 1.05% | 1.03% | 1.03% | 1.03% | 1.03% | -2 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 | 12.33% | 12.28% | 12.03% | 12.09% | 12.65% | 12.57% | 12.31% | 12.04% | -4 bps | |
| Equity / Assets | 7.26% | 7.26% | 7.32% | 7.44% | 8.43% | 8.37% | 8.25% | 8.22% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.23% | 62.61% | 70.57% | 69.44% | 85.64% | 80.08% | 87.06% | 92.71% | +2,327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.03% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |