Danville, VA · Charter 19931
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.67% | 0.39% | 0.12% | -0.52% | -1.62% | -2.31% | -2.47% | -259 bps | |
| Return on Equity | -3.82% | -4.75% | 2.97% | 0.89% | -4.00% | -12.82% | -20.97% | -25.48% | -2,637 bps | |
| Net Interest Margin | 5.09% | 5.65% | 5.20% | 5.08% | 5.17% | 4.50% | 4.38% | 3.72% | -136 bps | |
| Efficiency Ratio | 99.89% | 101.74% | 95.62% | 99.92% | 102.57% | 100.70% | 140.46% | 149.31% | +4,939 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.36% | -11.32% | -3.82% | -7.15% | -7.73% | -1.05% | -5.31% | 3.80% | +1,095 bps | |
| Loan Growth (YoY) | -4.82% | 3.68% | 4.88% | 0.04% | -5.76% | -6.13% | -11.93% | -11.72% | -1,175 bps | |
| Share Growth (YoY) | -6.80% | -12.36% | -3.79% | -7.74% | -8.08% | 0.68% | -3.62% | 8.06% | +1,580 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.67% | 0.95% | 3.01% | 2.89% | 2.00% | 10.78% | 10.62% | +761 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 | 0.93% | 0.97% | 1.02% | 0.92% | 0.76% | 2.31% | 2.66% | 2.71% | +179 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.64% | 14.13% | 12.97% | 13.37% | 13.06% | 12.60% | 10.99% | 9.68% | -369 bps | |
| Net Worth / Assets | 12.64% | 14.13% | 12.97% | 13.37% | 13.06% | 12.60% | 10.99% | 9.68% | -369 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.21% | 101.73% | 84.72% | 86.15% | 87.36% | 94.84% | 77.41% | 70.38% | -1,577 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |