Roanoke, VA · Charter 19932
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Roanoke, VA · Charter 19932
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.82% | -1.72% | -0.70% | -0.30% | -0.29% | -0.42% | -0.21% | -0.97% | -67 bps | |
| Return on Equity | -6.87% | -14.08% | -6.22% | -2.68% | -2.79% | -4.18% | -2.17% | -10.18% | -751 bps | |
| Net Interest Margin | 3.63% | 3.92% | 3.64% | 3.60% | 3.17% | 3.02% | 2.82% | 2.99% | -60 bps | |
| Efficiency Ratio | 100.61% | 111.43% | 105.15% | 97.26% | 97.70% | 102.79% | 102.63% | 118.77% | +2,151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.11% | 3.15% | 5.54% | -2.21% | 2.14% | 11.19% | 9.84% | 2.37% | +458 bps | |
| Loan Growth (YoY) | -9.88% | -9.01% | -9.82% | -10.25% | -23.23% | -25.08% | -21.94% | -20.92% | -1,067 bps | |
| Share Growth (YoY) | 9.73% | 4.66% | 6.95% | -1.17% | 4.20% | 14.17% | 11.76% | 3.90% | +507 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.82% | 1.34% | 0.97% | 1.64% | 1.51% | 1.28% | 1.89% | 1.24% | -40 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 | 0.24% | 0.54% | 0.68% | 0.76% | 1.07% | 1.21% | 0.88% | 1.06% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.99% | 12.19% | 11.22% | 11.09% | 10.47% | 10.15% | 9.64% | 9.48% | -162 bps | |
| Net Worth / Assets | 11.99% | 12.19% | 11.22% | 11.09% | 10.47% | 10.15% | 9.64% | 9.48% | -162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.35% | 65.96% | 58.58% | 56.66% | 46.67% | 43.29% | 40.91% | 43.13% | -1,353 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |