Newport News, VA · Charter 19082
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.85% | 2.67% | 1.31% | 1.65% | 1.83% | 3.36% | 1.98% | 0.49% | -117 bps | |
| Return on Equity | 15.67% | 20.84% | 10.56% | 12.32% | 13.95% | 23.18% | 14.01% | 3.41% | -891 bps | |
| Net Interest Margin | 1.40% | 1.23% | 1.23% | 1.24% | 1.48% | 1.16% | 1.06% | 1.08% | -16 bps | |
| Efficiency Ratio | 0.00% | 100.92% | 17.02% | 0.00% | 0.00% | 120.46% | 0.00% | 70.92% | +7,092 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 44.25% | 41.22% | 48.02% | -3.93% | 1.82% | 1.25% | 0.78% | 0.49% | +442 bps | |
| Loan Growth (YoY) | -51.08% | -57.67% | -54.37% | -23.02% | -17.05% | -16.05% | 3.13% | -20.51% | +251 bps | |
| Share Growth (YoY) | 48.80% | 52.70% | 51.55% | -7.07% | 0.66% | -0.28% | -0.21% | 0.83% | +790 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 22.25% | 3.00% | 11.94% | 4.27% | 2.25% | 2.28% | 0.00% | 0.00% | -427 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 | 44.01% | 14.37% | 19.34% | 19.46% | 21.44% | 1.29% | 1.85% | 3.42% | -1,604 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.83% | 12.79% | 12.38% | 13.42% | 13.10% | 14.48% | 14.16% | 14.27% | +85 bps | |
| Net Worth / Assets | 11.83% | 12.79% | 12.38% | 13.42% | 13.10% | 14.48% | 14.16% | 14.27% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 13.22% | 10.27% | 9.88% | 11.59% | 10.89% | 8.64% | 10.21% | 9.13% | -245 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |