Falls Church, VA · Charter 7308
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Falls Church, VA · Charter 7308
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.28% | 0.63% | 1.09% | 1.29% | 2.87% | 2.41% | 2.56% | +147 bps | |
| Return on Equity | 2.50% | 3.76% | 7.88% | 12.76% | 14.47% | 32.59% | 30.07% | 31.25% | +1,849 bps | |
| Net Interest Margin | 5.78% | 6.03% | 6.31% | 6.66% | 6.74% | 6.75% | 5.52% | 5.13% | -153 bps | |
| Efficiency Ratio | 83.91% | 79.37% | 75.61% | 71.32% | 69.50% | 62.33% | 63.81% | 59.62% | -1,170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.68% | 0.31% | -4.31% | -4.42% | -1.53% | 8.01% | 31.30% | 44.12% | +4,854 bps | |
| Loan Growth (YoY) | 20.84% | 13.04% | 2.84% | 2.01% | 3.58% | 4.62% | 8.22% | 21.51% | +1,949 bps | |
| Share Growth (YoY) | -12.45% | -10.12% | -3.07% | -1.86% | 3.15% | 12.98% | 43.60% | 58.07% | +5,993 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.09% | 1.48% | 1.04% | 1.84% | 2.14% | 3.29% | 2.79% | 2.88% | +104 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 | 0.65% | 0.81% | 1.02% | 1.26% | 1.55% | 1.55% | 1.47% | 0.99% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.48% | 7.56% | 7.96% | 8.56% | 8.89% | 8.82% | 8.01% | 8.21% | -36 bps | |
| Net Worth / Assets | 7.48% | 7.56% | 7.96% | 8.56% | 8.89% | 8.82% | 8.01% | 8.21% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.49% | 98.90% | 98.66% | 102.43% | 104.92% | 91.59% | 74.35% | 78.73% | -2,369 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |