Salem, VA · Charter 20788
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.04% | 0.12% | 0.34% | -1.95% | 0.86% | 0.45% | -2.54% | -288 bps | |
| Return on Equity | 1.73% | 0.38% | 1.22% | 3.43% | -23.37% | 10.30% | 5.19% | -37.28% | -4,071 bps | |
| Net Interest Margin | 3.49% | 3.09% | 3.22% | 3.43% | 3.74% | 3.92% | 4.18% | 4.44% | +101 bps | |
| Efficiency Ratio | 96.24% | 96.70% | 94.78% | 89.78% | 96.50% | 78.04% | 79.66% | 146.10% | +5,631 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.57% | 4.53% | -2.73% | -0.33% | -7.18% | -7.45% | -9.93% | -13.73% | -1,340 bps | |
| Loan Growth (YoY) | -15.29% | -9.97% | -7.09% | -1.79% | 4.73% | -0.58% | -3.12% | -1.75% | +4 bps | |
| Share Growth (YoY) | 6.77% | 4.96% | -2.98% | -0.78% | -4.55% | -6.43% | -9.24% | -10.55% | -978 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.21% | 7.88% | 6.21% | 5.01% | 1.22% | 2.52% | 1.85% | 1.45% | -356 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 | 1.40% | 1.76% | 1.78% | 1.52% | 2.39% | 2.92% | 3.05% | 3.32% | +180 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.57% | 9.27% | 9.49% | 9.92% | 8.36% | 8.32% | 8.70% | 6.82% | -310 bps | |
| Net Worth / Assets | 9.57% | 9.27% | 9.49% | 9.92% | 8.36% | 8.32% | 8.70% | 6.82% | -310 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.56% | 50.80% | 52.66% | 53.57% | 57.67% | 53.98% | 56.21% | 58.84% | +527 bps | |
| Liquid Assets / Assets | 43.43% | 46.54% | 46.40% | 43.30% | 38.20% | 42.94% | 41.04% | 37.56% | -574 bps | |