Rockville, MD · Cert 57766
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Rockville, MD · Cert 57766
FDIC
Q1 2012
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.28% | -6.60% | -6.30% | 0.35% | -1.43% | -0.81% | -1.76% | -3.60% | -395 bps | |
| Return on Equity | -16.50% | -92.96% | -97.88% | 10.97% | -47.34% | -26.75% | -63.89% | -292% | -30,256 bps | |
| Net Interest Margin | 2.09% | 2.23% | 2.41% | 1.97% | 2.10% | 2.07% | 1.98% | 1.56% | -41 bps | |
| Efficiency Ratio | 166.00% | 184.74% | 194.05% | 229% | 185.62% | 179.97% | 220% | 282% | +5,221 bps | |
| Non-Interest Burden | 3.61% | 4.31% | 4.85% | 4.46% | 3.95% | 3.76% | 4.43% | 4.52% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.12% | -23.12% | -28.89% | -29.16% | -24.25% | -7.52% | 1.50% | 6.00% | +3,517 bps | |
| Loan Growth (YoY) | -9.22% | -17.52% | -20.50% | -19.30% | -20.51% | -13.48% | -15.99% | -20.11% | -81 bps | |
| Deposit Growth (YoY) | -0.09% | -20.61% | -23.55% | -26.93% | -20.22% | -6.52% | 6.92% | 13.66% | +4,059 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 | 0.84% | 3.13% | 2.89% | 1.64% | 0.79% | 1.11% | 1.44% | 2.79% | +115 bps | |
| Allowance / Loans | 1.49% | 1.83% | 2.46% | 2.73% | 3.61% | 3.20% | 2.94% | 2.80% | +7 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 | 9.31% | 7.39% | 5.72% | 5.97% | 5.00% | 5.16% | 3.66% | 1.94% | -403 bps | |
| Equity / Assets | 8.08% | 4.52% | 3.08% | 3.30% | 2.71% | 3.01% | 1.71% | 0.76% | -255 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.26% | 85.34% | 83.62% | 87.24% | 81.96% | 78.98% | 65.70% | 61.32% | -2,592 bps | |
| Liquid Assets / Assets | 0.48% | 0.15% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |