Norfolk, VA · Charter 1156
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.34% | 0.51% | 0.43% | 0.31% | 0.16% | 0.18% | -0.13% | -56 bps | |
| Return on Equity | 6.72% | 3.79% | 5.86% | 5.19% | 4.06% | 1.94% | 2.20% | -1.36% | -654 bps | |
| Net Interest Margin | 3.91% | 3.71% | 3.60% | 3.45% | 3.15% | 3.56% | 3.41% | 4.09% | +64 bps | |
| Efficiency Ratio | 83.49% | 89.79% | 85.45% | 85.95% | 86.70% | 83.78% | 86.02% | 83.75% | -221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.77% | 35.57% | 21.40% | 25.41% | 33.45% | 8.32% | 6.80% | -11.66% | -3,706 bps | |
| Loan Growth (YoY) | 11.98% | 5.12% | 2.94% | -7.03% | -6.35% | -5.87% | -11.21% | -0.29% | +674 bps | |
| Share Growth (YoY) | 22.74% | 38.51% | 22.80% | 27.64% | 36.95% | 9.32% | 7.77% | -13.06% | -4,070 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.06% | 2.02% | 0.92% | 2.34% | 1.74% | 0.45% | -157 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 | 0.39% | 0.07% | 0.07% | 0.38% | 0.72% | 0.90% | 0.87% | 1.12% | +74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.66% | 8.93% | 8.65% | 8.37% | 7.55% | 8.32% | 8.04% | 9.27% | +90 bps | |
| Net Worth / Assets | 9.66% | 8.93% | 8.65% | 8.37% | 7.55% | 8.32% | 8.04% | 9.27% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.29% | 76.38% | 72.81% | 63.76% | 58.32% | 65.76% | 59.98% | 73.13% | +937 bps | |
| Liquid Assets / Assets | 21.08% | 28.18% | 31.29% | 39.72% | 44.39% | 37.87% | 20.96% | 32.07% | -764 bps | |