Richmond, VA · Charter 20177
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 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.
Richmond, VA · Charter 20177
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -30.69% | 0.83% | -16.88% | 4.94% | -1.18% | -8.98% | -13.83% | -8.78% | -1,372 bps | |
| Return on Equity | -112.98% | 3.16% | -57.25% | 16.33% | -4.17% | -36.81% | -66.09% | -44.44% | -6,077 bps | |
| Net Interest Margin | 16.62% | 14.36% | 14.76% | 7.99% | 7.95% | 2.86% | 2.15% | 2.33% | -566 bps | |
| Efficiency Ratio | 94.91% | 94.68% | 99.89% | 65.64% | 115.21% | 389% | 168.74% | 146.65% | +8,101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -29.10% | -26.00% | -26.63% | -26.43% | -5.78% | -12.34% | -6.35% | -2.66% | +2,377 bps | |
| Loan Growth (YoY) | -33.26% | -30.73% | -35.78% | -39.34% | -54.89% | -84.97% | -64.25% | -65.01% | -2,568 bps | |
| Share Growth (YoY) | -20.90% | -15.66% | -22.13% | -24.22% | -9.39% | -9.17% | 5.35% | 12.43% | +3,665 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.64% | 18.77% | 31.63% | 33.98% | 25.49% | 21.30% | 7.69% | 18.71% | -1,528 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 | 13.54% | 13.67% | 16.82% | 19.42% | 33.06% | 36.45% | 45.03% | 62.58% | +4,315 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.16% | 26.22% | 29.49% | 30.24% | 28.34% | 24.38% | 20.93% | 19.77% | -1,048 bps | |
| Net Worth / Assets | 27.16% | 26.22% | 29.49% | 30.24% | 28.34% | 24.38% | 20.93% | 19.77% | -1,048 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.39% | 86.98% | 88.11% | 70.55% | 46.00% | 14.39% | 29.90% | 21.95% | -4,860 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |