Roanoke, VA · Charter 20451
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.06% | -0.72% | -0.42% | -0.20% | -0.09% | 0.23% | 0.31% | +73 bps | |
| Return on Equity | -1.17% | -0.35% | -3.99% | -2.25% | -1.01% | -0.44% | 1.04% | 1.26% | +351 bps | |
| Net Interest Margin | 1.63% | 1.83% | 2.04% | 2.02% | 2.18% | 2.34% | 2.46% | 2.87% | +85 bps | |
| Efficiency Ratio | 111.45% | 103.14% | 133.89% | 119.76% | 108.77% | 103.82% | 90.84% | 89.64% | -3,013 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.65% | -8.94% | -14.59% | -12.78% | -14.81% | -20.78% | -17.91% | -21.98% | -919 bps | |
| Loan Growth (YoY) | -25.32% | -31.04% | -34.44% | -39.14% | -50.37% | -51.18% | -53.17% | -44.91% | -577 bps | |
| Share Growth (YoY) | -8.07% | -10.53% | -17.03% | -15.12% | -17.82% | -24.97% | -22.05% | -27.29% | -1,216 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 20.71% | 20.26% | 31.81% | 28.24% | 9.10% | 7.97% | 25.67% | 14.33% | -1,391 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 | 42.20% | 46.94% | 52.20% | 56.90% | 71.40% | 89.38% | 103.62% | 114.76% | +5,786 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.84% | 17.04% | 18.07% | 18.68% | 19.78% | 21.41% | 22.20% | 24.26% | +558 bps | |
| Net Worth / Assets | 16.84% | 17.04% | 18.07% | 18.68% | 19.78% | 21.41% | 22.20% | 24.26% | +558 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.68% | 23.23% | 22.66% | 18.13% | 15.51% | 15.11% | 13.61% | 13.74% | -439 bps | |
| Liquid Assets / Assets | 85.79% | 87.73% | 88.82% | 91.42% | 94.14% | 96.22% | 97.83% | 99.11% | +770 bps | |