Alexandria, VA · Charter 66946
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 1.01% | 2.08% | 1.61% | 1.32% | 0.12% | 0.16% | -1.56% | -317 bps | |
| Return on Equity | 9.99% | 10.71% | 22.01% | 15.96% | 12.63% | 1.14% | 1.65% | -16.89% | -3,284 bps | |
| Net Interest Margin | 5.08% | 5.29% | 4.89% | 5.05% | 5.11% | 5.43% | 4.43% | 4.54% | -51 bps | |
| Efficiency Ratio | 84.64% | 83.82% | 84.82% | 85.29% | 85.98% | 88.99% | 97.37% | 125.35% | +4,006 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.61% | 2.82% | 1.43% | -4.05% | -3.67% | -7.29% | -6.09% | -6.34% | -229 bps | |
| Loan Growth (YoY) | 11.54% | 16.34% | 11.15% | 2.94% | -1.72% | -1.73% | -0.52% | -3.78% | -672 bps | |
| Share Growth (YoY) | 1.81% | 1.78% | 0.16% | -5.68% | -5.46% | -7.99% | -6.09% | -5.25% | +43 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.24% | 0.44% | 0.49% | 0.64% | 0.44% | 0.66% | 0.80% | +30 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 | 0.79% | 0.84% | 0.39% | 0.39% | 0.38% | 0.60% | 0.62% | 0.61% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.81% | 9.46% | 9.43% | 10.09% | 10.47% | 10.32% | 9.64% | 9.25% | -84 bps | |
| Net Worth / Assets | 8.81% | 9.46% | 9.43% | 10.09% | 10.47% | 10.32% | 9.64% | 9.25% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.90% | 85.91% | 78.90% | 82.79% | 85.15% | 91.75% | 83.58% | 84.07% | +128 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |