Washington, DC · Charter 9703
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 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.
Washington, DC · Charter 9703
Q4 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.48% | 2.90% | 3.31% | 3.45% | 2.76% | 0.65% | 0.33% | -0.75% | -420 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -15.22% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.94% | 3.75% | 3.79% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 93.78% | 93.42% | 108.72% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.53% | -0.57% | 1.20% | 0.90% | 3.47% | 0.29% | 4.33% | 0.78% | -12 bps | |
| Loan Growth (YoY) | -18.99% | -10.60% | -12.05% | -11.62% | -4.15% | -7.86% | -2.14% | 1.00% | +1,262 bps | |
| Share Growth (YoY) | -7.22% | -0.40% | 3.14% | 1.24% | 3.61% | -1.17% | 2.75% | 0.17% | -107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.24% | 2.47% | 1.67% | 2.25% | 1.56% | 1.26% | 0.23% | 0.12% | -213 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 | 3.16% | 2.23% | 2.38% | 2.47% | 2.15% | 1.43% | 0.97% | 0.93% | -154 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.96% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.96% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.94% | 57.30% | 52.63% | 50.61% | 51.75% | 53.42% | 50.12% | 51.03% | +42 bps | |
| Liquid Assets / Assets | 17.20% | 24.83% | 28.49% | 13.69% | 9.15% | 8.03% | 11.81% | 19.14% | +545 bps | |