Bethesda, MD · Cert 57519
FDIC
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.07% | -0.20% | -0.72% | -1.59% | -2.85% | -0.68% | -0.80% | -8 bps | |
| Return on Equity | 5.02% | 0.82% | -2.62% | -9.92% | -22.51% | -42.04% | -12.49% | -14.34% | -442 bps | |
| Net Interest Margin | 3.54% | 3.29% | 3.33% | 3.33% | 3.28% | 3.47% | 3.27% | 3.09% | -24 bps | |
| Efficiency Ratio | 88.09% | 96.30% | 100.57% | 116.08% | 158.57% | 183.78% | 116.61% | 121.56% | +548 bps | |
| Non-Interest Burden | 2.62% | 3.04% | 3.37% | 4.26% | 5.61% | 6.22% | 3.77% | 3.73% | -53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.78% | 31.08% | 20.26% | 22.41% | 17.71% | -7.27% | -0.26% | -7.47% | -2,988 bps | |
| Loan Growth (YoY) | 2.33% | 31.64% | 37.36% | 29.33% | 16.61% | -0.94% | 7.30% | 0.15% | -2,917 bps | |
| Deposit Growth (YoY) | 15.53% | 30.33% | 6.48% | 17.36% | 36.16% | 8.73% | 13.67% | 11.24% | -612 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 | 0.01% | 0.01% | 0.04% | 0.21% | 0.24% | 0.25% | 0.04% | 0.02% | -19 bps | |
| Allowance / Loans | 0.75% | 0.64% | 0.76% | 0.70% | 0.88% | 0.96% | 1.00% | 1.09% | +39 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 | 16.11% | 12.93% | 12.06% | 10.65% | 9.90% | 8.67% | 9.86% | 10.43% | -23 bps | |
| Equity / Assets | 9.47% | 7.35% | 7.67% | 6.65% | 6.61% | 5.57% | 5.36% | 5.80% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.05% | 99.31% | 99.53% | 108.41% | 85.69% | 90.47% | 93.96% | 97.61% | -1,081 bps | |
| Liquid Assets / Assets | 0.27% | 8.73% | 6.08% | 4.33% | 5.75% | 1.67% | 1.43% | 0.15% | -419 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |