Alexandria, VA · Charter 66976
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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 66976
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.41% | 1.23% | 1.78% | -1.67% | -2.38% | -4.12% | -5.32% | -1.58% | +9 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 | n/a | 13.15% | 10.85% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 139.54% | 112.78% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.24% | -6.45% | -9.78% | -23.32% | -39.36% | -49.54% | -50.90% | -49.69% | -2,637 bps | |
| Loan Growth (YoY) | 4.87% | -9.99% | -17.88% | -30.44% | -40.35% | -40.48% | -44.20% | -48.40% | -1,796 bps | |
| Share Growth (YoY) | -22.93% | -9.66% | -14.19% | -27.83% | -46.11% | -56.02% | -57.66% | -56.40% | -2,857 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.90% | 1.09% | 0.67% | 1.37% | 0.00% | 4.51% | 7.78% | 9.21% | +784 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 | 3.93% | 1.14% | 2.53% | 4.79% | 5.37% | 7.77% | 6.88% | 8.27% | +348 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.69% | 65.56% | 79.33% | 73.68% | 94.86% | 88.72% | 104.54% | 87.19% | +1,351 bps | |
| Liquid Assets / Assets | 18.31% | 17.41% | 19.38% | 19.43% | 15.19% | 17.24% | 15.88% | 17.05% | -239 bps | |