Arlington, VA · Cert 58773
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Arlington, VA · Cert 58773
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.31% | -4.81% | -4.38% | -3.69% | -3.27% | -1.46% | -2.17% | -3.30% | +39 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 2.76% | 2.57% | 2.77% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 118.94% | 131.42% | 152.07% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 4.10% | 4.58% | 5.88% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.54% | -19.92% | -25.68% | -11.13% | -0.81% | 12.50% | 15.68% | 15.46% | +2,659 bps | |
| Loan Growth (YoY) | 34.52% | -29.48% | -10.16% | 73.18% | 56.93% | 67.29% | 13.49% | 6.76% | -6,642 bps | |
| Deposit Growth (YoY) | -13.63% | -18.17% | -23.22% | -15.73% | -5.32% | 13.35% | 15.31% | 26.54% | +4,227 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 | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 0.75% | 0.79% | 0.86% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | 12.39% | 11.67% | 9.52% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 6.61% | 5.96% | 4.37% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.91% | 66.05% | 95.61% | 104.28% | 109.25% | 97.47% | 94.10% | 87.98% | -1,630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 5.30% | 7.02% | 12.09% | +1,209 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |