Roanoke, VA · Cert 20877
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Roanoke, VA · Cert 20877
FDIC
Q3 2003
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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.07% | 1.24% | 1.27% | 1.28% | 1.21% | 1.23% | 0.22% | -105 bps | |
| Return on Equity | n/a | 17.37% | 19.46% | 19.37% | 19.62% | 18.87% | 18.71% | 1.95% | -1,741 bps | |
| Net Interest Margin | 4.18% | 4.28% | 4.38% | 4.40% | 4.37% | 4.09% | 4.05% | 0.95% | -344 bps | |
| Efficiency Ratio | 63.21% | 64.70% | 61.58% | 61.27% | 61.23% | 61.79% | 61.81% | 73.26% | +1,199 bps | |
| Non-Interest Burden | 2.32% | 2.50% | 2.39% | 2.38% | 2.35% | 2.22% | 2.19% | 0.73% | -164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.68% | 3.32% | 3.23% | 2.12% | 0.92% | 1.83% | 1.33% | 4.50% | +238 bps | |
| Loan Growth (YoY) | -4.03% | -3.66% | -2.41% | -3.58% | -6.82% | -7.27% | -8.16% | -19.15% | -1,557 bps | |
| Deposit Growth (YoY) | 1.86% | 3.08% | 2.93% | 1.51% | -0.63% | 0.26% | 0.72% | -15.91% | -1,742 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 | 0.20% | 0.15% | 0.20% | 0.19% | 0.17% | 0.05% | 0.07% | 0.03% | -16 bps | |
| Allowance / Loans | 1.10% | 1.11% | 1.11% | 1.11% | 1.11% | 1.11% | 1.11% | 1.11% | 0 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 | 11.02% | 11.32% | 12.21% | 13.04% | 12.10% | 12.60% | 13.69% | 16.88% | +384 bps | |
| Equity / Assets | 6.09% | 6.26% | 6.77% | 7.14% | 6.33% | 6.50% | 6.86% | 25.60% | +1,846 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.45% | 72.33% | 71.22% | 69.88% | 67.94% | 66.90% | 64.94% | 67.18% | -270 bps | |
| Liquid Assets / Assets | 16.46% | 17.15% | 20.86% | 26.50% | 28.20% | 29.70% | 33.39% | 0.00% | -2,650 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |