Alexandria, VA · Charter 66889
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Alexandria, VA · Charter 66889
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.50% | -2.91% | 6.72% | -1.43% | -2.29% | -9.04% | -30.28% | -3,700 bps | |
| Return on Equity | n/a | -2.26% | -13.35% | 24.26% | -7.93% | -12.35% | -74.95% | n/a | n/a | |
| Net Interest Margin | 0.00% | 7.15% | 7.53% | 6.76% | 6.63% | 6.33% | 6.01% | 4.08% | -268 bps | |
| Efficiency Ratio | n/a | 86.36% | 93.89% | 46.86% | 121.40% | 135.38% | 214% | 147.68% | +10,082 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.41% | -3.30% | -10.36% | -7.00% | 3.36% | -8.72% | -12.94% | -41.65% | -3,464 bps | |
| Loan Growth (YoY) | -12.56% | 10.18% | 27.49% | 36.33% | 22.13% | -7.27% | -47.48% | -64.14% | -10,046 bps | |
| Share Growth (YoY) | -6.29% | -0.33% | -8.65% | -3.33% | 7.64% | -5.82% | -3.05% | -21.11% | -1,779 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 1.71% | 0.63% | 1.17% | 32.71% | 40.66% | 52.37% | 45.14% | +4,397 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 | 0.29% | 1.81% | 1.82% | 0.20% | 2.18% | 2.33% | 4.23% | 18.83% | +1,863 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 22.18% | 21.83% | 27.69% | 18.00% | 18.57% | 12.06% | -8.41% | -3,610 bps | |
| Net Worth / Assets | n/a | 22.18% | 21.83% | 27.69% | 18.00% | 18.57% | 12.06% | -8.41% | -3,610 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.53% | 104.98% | 117.76% | 112.74% | 98.18% | 103.37% | 63.79% | 51.26% | -6,148 bps | |
| Liquid Assets / Assets | 29.45% | 15.83% | 0.00% | 0.00% | 17.22% | 13.66% | 42.23% | 49.64% | +4,964 bps | |