Salem, VA · Charter 10095
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | 0.16% | -0.33% | -0.31% | -0.41% | -0.61% | -0.46% | -1.46% | -114 bps | |
| Return on Equity | -1.81% | 2.08% | -4.14% | -4.09% | -5.41% | -7.94% | -6.16% | -21.34% | -1,725 bps | |
| Net Interest Margin | 3.24% | 3.39% | 3.59% | 3.20% | 3.13% | 3.27% | 3.13% | 2.65% | -55 bps | |
| Efficiency Ratio | 103.95% | 96.10% | 94.97% | 95.74% | 92.07% | 103.97% | 103.41% | 106.86% | +1,112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.31% | 8.62% | -1.95% | 6.32% | 4.94% | -7.12% | 1.19% | 1.70% | -461 bps | |
| Loan Growth (YoY) | -0.63% | -6.57% | -7.67% | -12.78% | -12.29% | -10.77% | -10.83% | -10.65% | +213 bps | |
| Share Growth (YoY) | 12.72% | 9.89% | -1.43% | 7.38% | 5.59% | -7.45% | 1.51% | 2.49% | -489 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.42% | 0.52% | 0.25% | 0.42% | 0.48% | 0.78% | 0.33% | +8 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 | 0.41% | 0.40% | 0.46% | 0.58% | 0.89% | 0.81% | 0.83% | 1.19% | +60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.20% | 7.74% | 7.93% | 7.69% | 7.52% | 7.73% | 7.52% | 6.83% | -86 bps | |
| Net Worth / Assets | 8.20% | 7.74% | 7.93% | 7.69% | 7.52% | 7.73% | 7.52% | 6.83% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.00% | 48.00% | 50.20% | 45.37% | 44.03% | 46.28% | 44.10% | 39.55% | -582 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |