Bethesda, MD · Cert 58529
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -4.22% | -4.72% | -4.86% | -8.94% | -5.66% | -2.70% | -2.37% | +250 bps | |
| Return on Equity | n/a | -15.53% | -17.60% | -23.95% | -64.13% | -65.20% | -33.41% | -27.13% | -318 bps | |
| Net Interest Margin | 0.26% | 1.74% | 1.90% | 1.75% | 2.06% | 1.71% | 3.54% | 2.12% | +37 bps | |
| Efficiency Ratio | 229% | 478% | 475% | 480% | 782% | 534% | 234% | 258% | -22,183 bps | |
| Non-Interest Burden | n/a | 8.62% | 9.62% | 9.13% | 17.92% | 10.20% | 8.71% | 5.95% | -318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 69.34% | 166.77% | 406% | 215% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 2621% | 514% | 345% | 190.15% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 107.28% | 237% | 370% | 249% | n/a | |
| 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 | 0.00% | 0.00% | 0.00% | 0.02% | 0.05% | 0.29% | 0.08% | 0.26% | +24 bps | |
| Allowance / Loans | 0.00% | 0.04% | 0.03% | 0.03% | 0.05% | 0.06% | 0.08% | 0.20% | +16 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 | 125.57% | 89.29% | 57.49% | 34.93% | 23.13% | 13.04% | 18.79% | 17.50% | -1,743 bps | |
| Equity / Assets | 27.60% | 26.71% | 26.92% | 16.10% | 12.03% | 6.53% | 8.93% | 8.51% | -759 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 6.14% | 37.28% | 96.94% | 83.27% | 80.64% | 67.86% | 91.78% | 69.17% | -1,411 bps | |
| Liquid Assets / Assets | 0.60% | 0.38% | 0.44% | 0.19% | 0.35% | 0.00% | 15.68% | 0.85% | +66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |