Charlottesville, VA · Charter 11855
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Charlottesville, VA · Charter 11855
Q1 2015
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.13% | -0.26% | 0.19% | -0.09% | -0.03% | -1.51% | -2.73% | -293 bps | |
| Return on Equity | 2.76% | 2.06% | -4.18% | 3.09% | -1.44% | -0.51% | -31.43% | -65.41% | -6,850 bps | |
| Net Interest Margin | 4.68% | 4.72% | 4.76% | 4.43% | 4.50% | 4.53% | 4.67% | 4.48% | +5 bps | |
| Efficiency Ratio | 95.09% | 96.12% | 98.19% | 96.18% | 101.73% | 98.01% | 104.35% | 126.89% | +3,071 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.87% | -3.35% | -5.97% | -3.96% | -2.00% | -0.32% | -1.24% | -3.12% | +84 bps | |
| Loan Growth (YoY) | 7.67% | 2.41% | -1.40% | -3.28% | 4.47% | 7.07% | 4.86% | 0.89% | +417 bps | |
| Share Growth (YoY) | -3.38% | -3.24% | -2.43% | -3.51% | -2.36% | -3.23% | -4.07% | -1.00% | +251 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.74% | 1.28% | 1.52% | 1.69% | 1.67% | 0.96% | 2.52% | +100 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 | 0.40% | 0.41% | 0.63% | 0.64% | 0.57% | 0.62% | 0.68% | 1.10% | +46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.44% | 6.50% | 6.23% | 6.24% | 6.17% | 6.14% | 4.80% | 4.18% | -206 bps | |
| Net Worth / Assets | 6.44% | 6.50% | 6.23% | 6.24% | 6.17% | 6.14% | 4.80% | 4.18% | -206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.12% | 84.51% | 86.35% | 85.53% | 92.14% | 93.51% | 94.39% | 87.16% | +163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |