PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cardinal Bank-Dulles, National Association

Reston, VA · Cert 35196

FDIC

Q3 2001

$46.3MAssets
$39.6MLoans
$39.2MDeposits
$4.6MEquity
Loan mix
33%RE $6.3M65%C&I $12.5M2%Consumer $0.3MQ3 2000Q3 2001
Deposit mix
73%Interest-bearing $28.7M27%Noninterest $10.4MQ3 2000Q3 2001

NIM

7.78%Q1 ’016.93%Q2 ’016.58%Q3 ’01-9%-3%

Non-interest income vs. expense

8.07%Q1 ’016.58%Q2 ’015.95%Q3 ’01-20%-10%

Executive Summary

  • Earnings: ROA of -2.27%, up 265 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 101.09% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

-2.27%+265 bps YoY

Net Interest Margin (YTD, annualized)

3.80%

Efficiency Ratio (YTD, annualized)

135.17%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets-4.91%-4.74%-3.08%-2.59%-2.27%+265 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.33%3.93%3.80%n/a
Efficiency Ration/an/a163.18%144.39%135.17%n/a
Non-Interest Burdenn/an/a7.46%5.96%5.35%n/a
Growth
Asset Growth (YoY)149.67%104.45%110.99%91.87%80.31%-6,936 bps
Loan Growth (YoY)181.59%105.20%98.55%101.98%142.99%-3,859 bps
Deposit Growth (YoY)465%227%182.47%121.54%98.29%-36,696 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.00%0.00%0.00%n/a
Allowance / Loansn/an/a1.07%1.07%1.13%n/a
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 Capitaln/an/a16.43%13.27%11.90%n/a
Equity / Assetsn/an/a12.25%11.35%9.84%n/a
Liquidity & Funding
Loans / Deposits82.49%105.49%84.22%99.42%101.09%+1,860 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a