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State Banking Performance Summary
FDIC-Insured Institutions

All Insured Institutions
District of Columbia
March 31, 2014
All Insured Institutions
District of Columbia
March 31, 2013
All Insured Institutions
District of Columbia
March 31, 2012
      (dollar figures in millions) All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
Number of institutions reporting4   4 5 1 4 5 1 4
Total employees (full-time equivalent)314   314 337 33 304 324 30 294
AGGREGATE CONDITION AND INCOME DATA                 
Net income (year-to-date)2   2 3 -0 3 2 -1 3
Total assets1,976   1,976 1,890 72 1,818 1,712 89 1,623
Earning assets1,869   1,869 1,793 69 1,724 1,622 84 1,538
Total loans & leases1,319   1,319 1,228 60 1,168 1,130 73 1,057
Other real estate owned0   0 4 1 3 1 1 0
Total deposits1,640   1,640 1,598 60 1,538 1,404 75 1,329
Equity capital214   214 194 2 192 180 4 176
PERFORMANCE RATIOS (YTD, %)                 
Yield on earning assets3.94   3.94 4.06 3.88 4.07 4.56 4.67 4.55
Cost of funding earning assets0.35   0.35 0.41 1.06 0.38 0.53 1.26 0.49
Net interest margin3.59   3.59 3.65 2.82 3.69 4.02 3.41 4.06
Noninterest income to avg. earning assets0.43   0.43 0.63 0.79 0.62 0.56 0.23 0.58
Noninterest expense to avg. earning assets2.96   2.96 3.16 6.37 3.03 3.43 5.25 3.32
Net charge-offs to loans & leases0.16   0.16 -0.03 -0.09 -0.02 0.65 3.03 0.48
Credit-loss provision to net charge-offs224.75   224.75 -467.11 0.00 -572.58 53.22 38.18 60.11
Net operating income to average assets0.50   0.50 0.59 -2.63 0.72 0.46 -2.48 0.63
Retained earnings to average equity3.70   3.70 4.39 -144.94 5.44 3.48 -59.75 4.85
Pre tax return on assets0.79   0.79 0.99 -2.62 1.14 0.92 -2.47 1.12
Return on assets0.50   0.50 0.59 -2.63 0.73 0.51 -2.48 0.68
Return on equity4.64   4.64 5.84 -144.94 6.90 4.70 -59.75 6.10
Percent of unprofitable institutions      20.00 100.00   20.00 100.00  
Percent of institutions with earning gains      80.00 100.00 75.00 60.00   75.00
CONDITION RATIOS (%)                 
Net loans and leases to assets65.83   65.83 63.97 81.20 63.28 64.94 80.67 64.08
Loss allowance to:                 
    Loans and leases1.38   1.38 1.57 2.61 1.51 1.61 2.25 1.57
    Noncurrent loans a68.84   68.84 59.12 16.45 77.00 54.13 20.30 64.95
Noncurrent loans & leases to                 
    total loans & leas2.00   2.00 2.65 15.89 1.96 2.98 11.11 2.41
Nonperforming assets to assets1.35   1.35 1.95 15.14 1.42 2.05 10.47 1.59
Core deposits to total liabilities74.50   74.50 74.42 69.57 74.63 69.32 66.88 69.46
Equity capital to total assets10.83   10.83 10.24 2.40 10.56 10.51 3.97 10.87
Core capital (leverage) ratio11.15   11.15 10.11 2.31 10.43 10.87 3.86 11.27
Total capital to risk-weighted assets16.31   16.31 15.13 5.44 15.43 16.18 8.31 16.52
Gross 1-4 family mortgages to gross assets20.30   20.30 23.41 59.42 21.96 26.43 57.08 24.74
Gross real estate assets to gross assets69.70   69.70 67.85 79.50 67.38 67.93 81.90 67.15
Source: Call Report and Thrift Financial Report
Prepared by the FDIC-Division of Insurance and Research
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