Reston, VA · Cert 35096
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.04% | -1.66% | -1.60% | -1.34% | -1.49% | -1.22% | -0.98% | -3.36% | -202 bps | |
| Return on Equity | -819% | -1524% | -354667% | 14090% | 457% | 220% | 148.51% | 350% | -1,373,930 bps | |
| Net Interest Margin | 2.44% | 2.43% | 2.43% | 2.44% | 2.28% | 2.23% | 2.12% | 2.05% | -39 bps | |
| Efficiency Ratio | 188.89% | 168.25% | 165.63% | 186.21% | 160.92% | 153.14% | 177.26% | 205% | +1,909 bps | |
| Non-Interest Burden | 4.11% | 3.92% | 3.93% | 4.20% | 3.77% | 3.47% | 3.83% | 4.19% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.63% | -15.70% | -13.73% | -8.44% | -13.40% | -12.27% | -13.22% | -16.97% | -852 bps | |
| Loan Growth (YoY) | -8.44% | -13.20% | -16.73% | -20.80% | -20.91% | -32.54% | -33.69% | -34.41% | -1,361 bps | |
| Deposit Growth (YoY) | -14.14% | -14.63% | -10.90% | -7.41% | -13.35% | -12.02% | -13.52% | -16.26% | -885 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 | 0.59% | 0.22% | 0.51% | 0.40% | 1.04% | 1.46% | 1.06% | 0.89% | +49 bps | |
| Allowance / Loans | 3.59% | 3.86% | 3.77% | 3.19% | 3.14% | 3.51% | 2.73% | 3.49% | +29 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 | 4.65% | 4.45% | 4.16% | 4.14% | 3.84% | 3.93% | 3.81% | -0.78% | -493 bps | |
| Equity / Assets | 0.03% | -0.18% | -0.35% | -0.05% | -0.62% | -1.04% | -1.01% | -2.29% | -224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.06% | 65.27% | 64.70% | 61.55% | 61.21% | 50.04% | 49.60% | 48.20% | -1,334 bps | |
| Liquid Assets / Assets | 10.12% | 10.94% | 11.14% | 13.56% | 12.95% | 22.47% | 21.35% | 21.44% | +788 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |