Lynchburg, VA · Charter 1345
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Lynchburg, VA · Charter 1345
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.33% | 2.14% | 2.16% | 2.13% | 2.05% | 1.88% | 1.72% | 1.69% | -43 bps | |
| Return on Equity | 11.42% | 10.56% | 10.37% | 10.28% | 9.61% | 10.25% | 9.74% | 9.65% | -63 bps | |
| Net Interest Margin | 5.27% | 5.18% | 5.12% | 5.11% | 5.13% | 4.34% | 4.12% | 3.94% | -117 bps | |
| Efficiency Ratio | 56.30% | 59.12% | 58.24% | 58.70% | 60.39% | 57.11% | 58.64% | 57.46% | -124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.42% | 15.27% | 10.20% | 6.11% | 5.62% | 23.22% | 30.93% | 30.50% | +2,438 bps | |
| Loan Growth (YoY) | 9.03% | 17.86% | 2.67% | 7.47% | 5.00% | 20.98% | 28.63% | 24.58% | +1,711 bps | |
| Share Growth (YoY) | 19.96% | 19.98% | 13.22% | 4.79% | 4.37% | 1.79% | 7.24% | 13.77% | +898 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.06% | 0.09% | 0.04% | 0.11% | 0.03% | 0.09% | 0.04% | +1 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 | 0.68% | 0.63% | 0.61% | 0.58% | 0.57% | 0.50% | 0.41% | 0.43% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.36% | 20.25% | 20.85% | 20.70% | 21.30% | 18.29% | 17.64% | 17.55% | -315 bps | |
| Net Worth / Assets | 20.36% | 20.25% | 20.85% | 20.70% | 21.30% | 18.29% | 17.64% | 17.55% | -315 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.77% | 116.83% | 111.46% | 110.59% | 114.46% | 138.86% | 133.69% | 121.10% | +1,051 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |