Richmond, VA · Charter 16456
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.63% | 3.72% | 2.71% | 2.58% | 0.09% | -1.29% | -1.12% | -2.39% | -497 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -8.96% | -21.56% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.69% | 5.84% | 6.14% | 4.39% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 87.48% | 102.15% | 96.01% | 118.79% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.41% | 5.05% | -7.62% | -18.59% | -10.07% | -24.81% | -22.73% | -17.86% | +73 bps | |
| Loan Growth (YoY) | -48.86% | -49.03% | -48.53% | 16.71% | 6.42% | -21.05% | -16.18% | -55.83% | -7,253 bps | |
| Share Growth (YoY) | 7.56% | 14.84% | 3.10% | -14.20% | -7.89% | -24.75% | -24.53% | -18.27% | -406 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.20% | 6.95% | 5.48% | 7.12% | 11.05% | 7.01% | 6.65% | 0.76% | -636 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 | 2.62% | 2.71% | 5.41% | 4.62% | 6.30% | 2.74% | 6.57% | 2.18% | -245 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 12.48% | 11.07% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 12.48% | 11.07% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.88% | 53.17% | 54.47% | 73.87% | 68.03% | 55.79% | 60.50% | 39.92% | -3,394 bps | |
| Liquid Assets / Assets | 42.86% | 47.80% | 44.00% | 26.81% | 0.00% | 5.71% | 49.22% | 63.46% | +3,665 bps | |