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Potomac Bank of Virginia

Vienna, VA · Cert 34807

FDIC

Q4 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2006, the quarter ended December 31, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Potomac Bank of Virginia

Vienna, VA · Cert 34807

FDIC

Q4 2006

$263.8MAssets
$203.7MLoans
$210.0MDeposits
$26.1MEquity
Loan mix
31%RE $30.1M68%C&I $65.4M0%Consumer $0.1MQ4 2005Q4 2006
Deposit mix
68%Interest-bearing $142.9M32%Noninterest $67.1MQ4 2005Q4 2006

NIM

4.20%Q4 ’045.26%Q4 ’056.16%Q4 ’06+13%-3%

Non-interest income vs. expense

3.01%Q4 ’043.08%Q4 ’052.78%Q4 ’06+13%-7%

Executive Summary

  • Earnings: ROA of 0.77%, up 12 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 96.97% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

0.77%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.76%-11 bps YoY

Efficiency Ratio (YTD, annualized)

69.47%-359 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.64%0.63%0.65%0.76%0.77%+12 bps
Return on Equity5.98%6.03%6.38%7.44%7.56%+158 bps
Net Interest Margin3.86%3.86%3.85%3.79%3.76%-11 bps
Efficiency Ratio73.06%70.48%69.57%68.83%69.47%-359 bps
Non-Interest Burden2.73%2.68%2.63%2.53%2.53%-19 bps
Growth
Asset Growth (YoY)11.54%9.86%17.03%16.59%15.26%+372 bps
Loan Growth (YoY)14.60%17.37%26.05%22.70%24.07%+946 bps
Deposit Growth (YoY)6.13%2.95%17.32%11.84%16.57%+1,043 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.26%-0.02%-0.01%0.01%0.00%-26 bps
Allowance / Loans1.01%1.01%1.00%1.02%0.97%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.07%13.63%12.64%13.06%12.78%-129 bps
Equity / Assets10.41%10.44%9.96%10.04%9.88%-53 bps
Liquidity & Funding
Loans / Deposits91.10%97.98%100.17%96.05%96.97%+586 bps
Liquid Assets / Assets1.94%1.66%1.93%2.03%1.40%-54 bps
CRE / Total Capitaln/an/an/an/an/an/an/a