Vienna, VA · Cert 34807
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Vienna, VA · Cert 34807
FDIC
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.58% | 0.64% | 0.64% | 0.63% | 0.65% | 0.76% | 0.77% | +12 bps | |
| Return on Equity | 3.63% | 5.37% | 5.89% | 5.98% | 6.03% | 6.38% | 7.44% | 7.56% | +158 bps | |
| Net Interest Margin | 4.08% | 4.13% | 4.04% | 3.86% | 3.86% | 3.85% | 3.79% | 3.76% | -11 bps | |
| Efficiency Ratio | 72.59% | 72.60% | 73.11% | 73.06% | 70.48% | 69.57% | 68.83% | 69.47% | -359 bps | |
| Non-Interest Burden | 2.84% | 2.87% | 2.84% | 2.73% | 2.68% | 2.63% | 2.53% | 2.53% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.94% | 4.84% | 19.57% | 11.54% | 9.86% | 17.03% | 16.59% | 15.26% | +372 bps | |
| Loan Growth (YoY) | 44.10% | 30.40% | 15.42% | 14.60% | 17.37% | 26.05% | 22.70% | 24.07% | +946 bps | |
| Deposit Growth (YoY) | 16.30% | -3.29% | 19.75% | 6.13% | 2.95% | 17.32% | 11.84% | 16.57% | +1,043 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 | 1.06% | 0.52% | 0.34% | 0.26% | -0.02% | -0.01% | 0.01% | 0.00% | -26 bps | |
| Allowance / Loans | 1.00% | 1.02% | 1.03% | 1.01% | 1.01% | 1.00% | 1.02% | 0.97% | -4 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 | 14.59% | 14.51% | 14.61% | 14.07% | 13.63% | 12.64% | 13.06% | 12.78% | -129 bps | |
| Equity / Assets | 10.62% | 10.98% | 10.81% | 10.41% | 10.44% | 9.96% | 10.04% | 9.88% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.94% | 93.23% | 87.55% | 91.10% | 97.98% | 100.17% | 96.05% | 96.97% | +586 bps | |
| Liquid Assets / Assets | 0.74% | 0.92% | 1.60% | 1.94% | 1.66% | 1.93% | 2.03% | 1.40% | -54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |