Richmond, VA · Cert 11583
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -0.19% | 3.27% | 1.28% | 1.12% | 1.05% | 1.21% | 0.49% | -79 bps | |
| Return on Equity | 1.94% | -2.00% | 35.68% | 14.87% | 12.20% | 10.44% | 11.92% | 4.74% | -1,013 bps | |
| Net Interest Margin | 3.96% | 4.35% | -7.52% | 5.01% | 4.62% | 5.05% | 4.75% | 4.28% | -73 bps | |
| Efficiency Ratio | 92.40% | 104.48% | 60.51% | 62.70% | 64.85% | 64.50% | 63.22% | 77.68% | +1,498 bps | |
| Non-Interest Burden | 3.63% | 4.57% | -9.48% | 2.95% | 2.82% | 3.06% | 2.76% | 3.21% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.34% | -8.77% | -15.68% | -14.91% | -11.96% | -14.15% | -0.33% | -6.60% | +831 bps | |
| Loan Growth (YoY) | -7.38% | -8.45% | -21.24% | -21.86% | -21.29% | -21.04% | -12.43% | -11.64% | +1,021 bps | |
| Deposit Growth (YoY) | 0.47% | -7.80% | -14.65% | -14.80% | -12.35% | -14.74% | -1.87% | -8.55% | +626 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.08% | -0.58% | -0.07% | -0.06% | -0.03% | -0.04% | 0.09% | +16 bps | |
| Allowance / Loans | 2.78% | 2.89% | 0.10% | 0.19% | 0.27% | 0.45% | 0.55% | 0.67% | +49 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.15% | 14.63% | 11.86% | 12.13% | 13.61% | 15.30% | 16.39% | 16.53% | +440 bps | |
| Equity / Assets | 9.41% | 9.86% | 8.40% | 8.78% | 9.59% | 10.50% | 9.84% | 10.71% | +193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.60% | 78.72% | 72.82% | 71.64% | 70.58% | 72.90% | 64.99% | 69.21% | -243 bps | |
| Liquid Assets / Assets | 0.12% | 0.12% | 0.13% | 6.40% | 7.79% | 6.04% | 15.43% | 7.51% | +111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |