Staunton, VA · Cert 20786
FDIC
Q1 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.35% | 1.32% | 1.13% | 1.19% | 1.23% | 1.32% | 1.13% | -1 bps | |
| Return on Equity | 11.68% | 12.11% | 11.94% | 10.01% | 10.50% | 10.63% | 11.28% | 9.12% | -89 bps | |
| Net Interest Margin | 3.95% | 3.98% | 3.92% | 3.86% | 4.11% | 4.18% | 4.11% | 3.59% | -27 bps | |
| Efficiency Ratio | 55.06% | 55.02% | 55.71% | 60.65% | 60.53% | 60.50% | 58.14% | 57.90% | -274 bps | |
| Non-Interest Burden | 1.93% | 1.95% | 1.96% | 2.17% | 2.30% | 2.33% | 2.12% | 1.85% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.25% | 6.31% | 14.17% | 1.18% | -0.76% | -3.04% | -4.99% | -2.41% | -359 bps | |
| Loan Growth (YoY) | 18.51% | 13.93% | 18.49% | 2.44% | -1.19% | -1.82% | -1.52% | -4.28% | -672 bps | |
| Deposit Growth (YoY) | 8.64% | 7.53% | 15.04% | 3.10% | -1.49% | -7.47% | -15.71% | -13.00% | -1,609 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 | 0.02% | -0.03% | -0.03% | 0.09% | 0.05% | 0.04% | 0.02% | 0.08% | -1 bps | |
| Allowance / Loans | 1.23% | 1.27% | 1.27% | 1.25% | 1.28% | 1.25% | 1.24% | 1.28% | +3 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 | 11.80% | 11.45% | 11.50% | 11.70% | 11.75% | 12.14% | 12.49% | 12.58% | +88 bps | |
| Equity / Assets | 11.12% | 11.14% | 10.94% | 11.72% | 11.50% | 12.24% | 12.33% | 12.37% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.61% | 98.61% | 93.68% | 98.52% | 98.91% | 104.63% | 109.45% | 108.40% | +987 bps | |
| Liquid Assets / Assets | 0.42% | 0.41% | 0.39% | 0.42% | 0.34% | 0.35% | 0.34% | 0.35% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |