Chantilly, VA · Charter 66904
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Chantilly, VA · Charter 66904
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -0.20% | -0.08% | -0.01% | -0.18% | 5.45% | 2.40% | 1.05% | +106 bps | |
| Return on Equity | 0.87% | -1.71% | -0.70% | -0.13% | -1.57% | 42.78% | 18.90% | 8.35% | +848 bps | |
| Net Interest Margin | 4.18% | 4.06% | 4.03% | 4.06% | 4.15% | 4.13% | 4.12% | 4.20% | +14 bps | |
| Efficiency Ratio | 93.20% | 96.60% | 96.13% | 96.41% | 99.99% | 54.63% | 70.86% | 83.12% | -1,330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.56% | 4.95% | 7.77% | 5.85% | 1.02% | -0.86% | -3.01% | -5.15% | -1,100 bps | |
| Loan Growth (YoY) | -1.63% | 4.33% | 16.67% | 20.83% | 20.43% | 18.21% | -0.40% | -3.50% | -2,433 bps | |
| Share Growth (YoY) | 7.87% | 6.11% | 9.62% | 3.56% | -2.28% | -2.36% | -5.11% | -3.56% | -712 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.32% | 0.23% | 0.18% | 1.60% | 0.79% | 0.36% | 0.46% | +28 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 | 0.56% | 0.55% | 0.55% | 0.52% | 0.57% | 0.51% | 0.47% | 0.41% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.72% | 11.40% | 11.30% | 11.32% | 11.42% | 12.73% | 12.72% | 12.54% | +123 bps | |
| Net Worth / Assets | 11.72% | 11.40% | 11.30% | 11.32% | 11.42% | 12.73% | 12.72% | 12.54% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.60% | 64.51% | 70.06% | 75.34% | 80.85% | 78.11% | 73.54% | 75.38% | +5 bps | |
| Liquid Assets / Assets | 9.45% | 13.65% | 6.87% | 4.10% | 6.06% | 12.01% | 21.85% | 20.04% | +1,593 bps | |