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Cardinal Bank-Manassas/Prince William, N.A.

Manassas, VA · Cert 35145

FDIC

Q4 2001

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 2001, the quarter ended December 31, 2001, 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

Cardinal Bank-Manassas/Prince William, N.A.

Manassas, VA · Cert 35145

FDIC

Q4 2001

$68.1MAssets
$48.8MLoans
$61.9MDeposits
$6.0MEquity
Loan mix
41%RE $8.6M58%C&I $12.1M0%Consumer $0.1MQ1 2000Q4 2001
Deposit mix
80%Interest-bearing $49.2M20%Noninterest $12.7MQ1 2000Q4 2001

Executive Summary

  • Earnings: ROA of -0.11%, up 83 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 78.91% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

-0.11%+83 bps YoY

Net Interest Margin (YTD, annualized)

3.21%

Efficiency Ratio (YTD, annualized)

90.45%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.66%Q1 ’016.81%Q3 ’016.22%Q4 ’01-7%-6%

Non-interest income vs. expense

4.12%Q1 ’013.52%Q3 ’013.20%Q4 ’01-14%-9%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets-1.56%-1.53%-1.31%-0.94%-0.16%0.07%0.23%-0.11%+83 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.64%3.51%3.40%3.21%n/a
Efficiency Ration/an/an/an/a100.60%98.25%93.48%90.45%n/a
Non-Interest Burdenn/an/an/an/a3.67%3.44%3.16%2.87%n/a
Growth
Asset Growth (YoY)n/an/a88.23%48.37%50.07%48.52%47.67%48.44%+8 bps
Loan Growth (YoY)n/an/a166.67%67.23%61.43%53.12%53.56%38.58%-2,865 bps
Deposit Growth (YoY)n/an/a163.30%127.46%61.20%57.01%56.22%58.67%-6,879 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.00%0.00%0.00%0.00%n/a
Allowance / Loansn/an/an/an/a1.20%1.13%1.02%1.59%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a14.69%14.19%12.92%12.74%n/a
Equity / Assetsn/an/an/an/a12.04%11.44%10.76%8.85%n/a
Liquidity & Funding
Loans / Deposits97.47%97.26%100.18%90.36%97.61%94.84%98.48%78.91%-1,144 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%5.21%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a