Lynchburg, VA · Charter 17192
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.42% | -0.71% | -0.56% | -0.88% | -1.25% | 1.38% | -18.39% | -1,783 bps | |
| Return on Equity | 0.13% | -3.52% | -6.48% | -5.68% | -9.23% | -14.48% | 15.50% | -15541% | -1,553,514 bps | |
| Net Interest Margin | 4.61% | 4.63% | 4.36% | 4.61% | 4.86% | 4.92% | 5.84% | 6.42% | +182 bps | |
| Efficiency Ratio | 97.16% | 94.04% | 93.56% | 88.25% | 85.04% | 86.28% | 69.62% | 77.19% | -1,105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.13% | 20.19% | 30.56% | 31.07% | 24.58% | 16.14% | 11.51% | -9.33% | -4,040 bps | |
| Loan Growth (YoY) | 56.97% | 72.76% | 69.11% | 49.70% | 22.56% | 21.26% | 24.80% | 14.42% | -3,528 bps | |
| Share Growth (YoY) | 6.37% | 23.64% | 37.32% | 38.08% | 35.76% | 14.75% | 7.78% | -4.96% | -4,305 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.66% | 5.84% | 9.90% | 2.26% | 4.28% | 3.01% | 6.96% | 7.03% | +477 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 | 0.56% | 0.94% | 0.57% | 0.51% | 1.04% | 0.78% | 0.79% | 10.93% | +1,042 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.55% | 12.00% | 10.90% | 9.86% | 9.56% | 8.63% | 8.88% | 0.12% | -974 bps | |
| Net Worth / Assets | 13.55% | 12.00% | 10.90% | 9.86% | 9.56% | 8.63% | 8.88% | 0.12% | -974 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.02% | 90.88% | 83.62% | 79.60% | 89.39% | 96.03% | 96.82% | 95.83% | +1,623 bps | |
| Liquid Assets / Assets | 13.25% | 13.49% | 20.67% | 19.25% | 9.53% | 10.38% | 11.98% | 13.64% | -561 bps | |