Washington, DC · Charter 9584
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | -2.42% | -1.08% | -0.52% | 1.17% | 0.87% | 0.71% | -0.68% | -15 bps | |
| Return on Equity | 0.97% | -35.63% | -14.93% | -6.65% | 14.89% | 10.88% | 8.76% | -9.53% | -289 bps | |
| Net Interest Margin | 13.96% | 2.21% | 2.45% | 2.91% | 3.94% | 4.11% | 4.14% | 4.25% | +134 bps | |
| Efficiency Ratio | 84.59% | 128.86% | 96.44% | 88.45% | 76.73% | 82.81% | 85.95% | 89.71% | +126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | -11.66% | -6.09% | -5.12% | -8.21% | -0.88% | -0.73% | 1.58% | +669 bps | |
| Loan Growth (YoY) | 7.15% | -9.60% | 12.28% | 49.80% | 61.16% | 96.39% | 74.90% | 28.08% | -2,172 bps | |
| Share Growth (YoY) | -1.76% | -10.47% | -3.92% | -3.00% | -5.67% | -0.44% | -1.32% | 2.28% | +528 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.21% | 2.62% | 2.05% | 0.78% | 0.75% | 1.32% | 1.79% | 1.76% | +98 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 | 1.12% | 2.12% | 1.80% | 1.33% | 1.17% | 1.08% | 1.03% | 1.23% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.40% | 6.80% | 7.22% | 7.89% | 7.86% | 8.02% | 8.11% | 7.09% | -80 bps | |
| Net Worth / Assets | 7.40% | 6.80% | 7.22% | 7.89% | 7.86% | 8.02% | 8.11% | 7.09% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.18% | 42.94% | 50.37% | 71.72% | 77.20% | 84.70% | 89.29% | 89.80% | +1,809 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |