Salem, VA · Charter 10654
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.25% | 0.28% | -0.46% | -0.63% | -0.70% | 0.54% | -1.11% | -66 bps | |
| Return on Equity | -0.33% | 1.93% | 2.20% | -3.60% | -5.05% | -5.59% | 4.18% | -8.92% | -532 bps | |
| Net Interest Margin | 2.54% | 2.66% | 2.34% | 2.11% | 2.11% | 2.30% | 2.60% | 2.58% | +46 bps | |
| Efficiency Ratio | 108.41% | 108.78% | 89.10% | 119.56% | 127.04% | 128.05% | 80.93% | 139.88% | +2,032 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.32% | 9.26% | 4.81% | -1.17% | 0.50% | -0.47% | -5.25% | -6.27% | -510 bps | |
| Loan Growth (YoY) | -22.62% | -24.53% | -21.95% | -14.10% | -12.40% | -3.32% | -8.07% | -15.72% | -162 bps | |
| Share Growth (YoY) | 17.40% | 11.57% | 5.45% | -1.36% | 0.84% | 0.35% | -5.31% | -6.45% | -510 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.48% | 0.29% | 0.89% | 0.88% | 1.14% | 1.39% | 1.52% | +64 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 | 2.34% | 1.27% | 1.20% | 1.24% | 0.82% | 0.84% | 0.90% | 1.00% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.62% | 13.21% | 12.91% | 12.65% | 12.37% | 12.57% | 12.97% | 12.46% | -19 bps | |
| Net Worth / Assets | 12.62% | 13.21% | 12.91% | 12.65% | 12.37% | 12.57% | 12.97% | 12.46% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.45% | 31.32% | 30.09% | 29.96% | 29.05% | 30.18% | 29.21% | 26.99% | -297 bps | |
| Liquid Assets / Assets | 66.96% | 68.39% | 69.19% | 66.69% | 70.24% | 65.68% | 70.51% | 74.17% | +748 bps | |