Richmond, VA · Cert 20450
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.27% | 1.37% | 1.64% | 1.54% | 1.51% | 1.32% | 1.35% | 0.47% | -107 bps | |
| Return on Equity | 25.27% | 15.32% | 17.38% | 15.40% | 15.90% | 14.65% | 14.40% | 2.87% | -1,253 bps | |
| Net Interest Margin | 5.45% | 4.58% | 4.78% | 4.65% | 4.57% | 4.45% | 4.41% | 2.41% | -223 bps | |
| Efficiency Ratio | 54.60% | 59.05% | 54.38% | 58.18% | 56.96% | 59.86% | 59.54% | 76.64% | +1,846 bps | |
| Non-Interest Burden | 2.28% | 2.36% | 2.20% | 2.34% | 2.22% | 2.36% | 2.27% | 1.90% | -44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.10% | 30.16% | 28.66% | 25.58% | -0.50% | 0.99% | 1.31% | 12.00% | -1,358 bps | |
| Loan Growth (YoY) | 16.59% | 17.42% | 19.09% | 13.78% | -4.44% | -5.23% | -10.25% | -8.28% | -2,206 bps | |
| Deposit Growth (YoY) | 25.73% | 26.57% | 26.68% | 24.67% | 1.54% | 3.17% | 3.68% | -1.79% | -2,645 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.10% | 0.10% | 0.10% | 0.16% | 0.08% | 0.39% | -0.43% | -53 bps | |
| Allowance / Loans | 1.15% | 1.16% | 1.16% | 1.17% | 1.17% | 1.17% | 1.16% | 1.11% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.76% | 12.45% | 13.09% | 14.97% | 12.28% | 13.37% | 14.59% | 16.28% | +130 bps | |
| Equity / Assets | 8.81% | 9.09% | 9.84% | 10.11% | 8.94% | 9.12% | 9.62% | 22.49% | +1,238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.45% | 72.75% | 74.89% | 70.19% | 69.13% | 66.82% | 64.83% | 65.55% | -464 bps | |
| Liquid Assets / Assets | 16.47% | 17.76% | 16.69% | 24.01% | 26.30% | 25.54% | 32.84% | 0.04% | -2,397 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |