Springfield, VA · Charter 6660
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Springfield, VA · Charter 6660
Q1 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | -0.79% | -0.70% | -1.40% | -1.60% | -1.19% | -2.83% | -0.15% | +125 bps | |
| Return on Equity | -9.45% | -12.02% | -10.75% | -23.10% | -28.02% | -20.78% | -73.00% | -3.95% | +1,915 bps | |
| Net Interest Margin | 1.96% | 1.96% | 1.99% | 1.86% | 1.82% | 1.90% | 1.88% | 1.68% | -18 bps | |
| Efficiency Ratio | 123.01% | 122.36% | 119.08% | 103.51% | 108.39% | 103.91% | 150.54% | 105.61% | +211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.30% | -5.54% | -5.46% | -0.09% | -1.58% | -2.63% | -3.58% | -4.37% | -428 bps | |
| Loan Growth (YoY) | -19.35% | -19.59% | -12.31% | -1.82% | -6.78% | -12.34% | -8.16% | -12.30% | -1,047 bps | |
| Share Growth (YoY) | -3.31% | -4.23% | -4.44% | 0.38% | -0.25% | -2.09% | -2.44% | -3.19% | -357 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.63% | 5.07% | 4.16% | 3.46% | 4.14% | 6.62% | 3.99% | 4.03% | +57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.61% | 2.50% | 2.12% | 3.02% | 3.78% | 2.76% | 4.26% | 4.33% | +131 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.79% | 6.54% | 6.47% | 6.05% | 5.72% | 5.72% | 3.88% | 3.83% | -222 bps | |
| Net Worth / Assets | 6.79% | 6.54% | 6.47% | 6.05% | 5.72% | 5.72% | 3.88% | 3.83% | -222 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.55% | 35.97% | 35.85% | 34.98% | 34.16% | 32.20% | 33.75% | 31.69% | -329 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |