Richmond, VA · Charter 15332
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.57% | 0.19% | -0.04% | -0.11% | -0.26% | -0.42% | -1.68% | -164 bps | |
| Return on Equity | 4.21% | 7.45% | 2.63% | -0.58% | -1.63% | -3.73% | -5.45% | -25.31% | -2,473 bps | |
| Net Interest Margin | 4.84% | 4.64% | 4.39% | 4.36% | 3.87% | 3.31% | 3.81% | 3.95% | -41 bps | |
| Efficiency Ratio | 97.97% | 91.90% | 91.86% | 90.79% | 90.23% | 96.06% | 91.73% | 102.07% | +1,128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.47% | -1.02% | 6.24% | 11.05% | 14.18% | 2.76% | -12.32% | -13.85% | -2,490 bps | |
| Loan Growth (YoY) | -2.21% | -9.84% | -15.53% | -19.41% | -20.98% | -18.41% | -16.58% | -15.58% | +383 bps | |
| Share Growth (YoY) | -12.87% | 3.56% | 10.75% | 12.24% | 15.89% | 4.50% | -12.67% | -13.87% | -2,611 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.51% | 1.44% | 1.35% | 1.66% | 0.63% | 0.93% | 1.74% | 2.34% | +68 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 | 0.70% | 0.60% | 0.59% | 0.93% | 1.08% | 0.91% | 1.50% | 3.07% | +214 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.00% | 7.63% | 7.25% | 7.16% | 6.87% | 6.97% | 7.75% | 6.64% | -53 bps | |
| Net Worth / Assets | 8.00% | 7.63% | 7.25% | 7.16% | 6.87% | 6.97% | 7.75% | 6.64% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.63% | 54.60% | 49.26% | 47.60% | 42.70% | 42.64% | 47.05% | 46.66% | -94 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |