Powhatan, VA · Cert 21225
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | 0.11% | -0.46% | -1.45% | 2.60% | +294 bps | |
| Return on Equity | -6.88% | 2.34% | -10.67% | -42.38% | 40.22% | +4,710 bps | |
| Net Interest Margin | 2.45% | 2.33% | 2.05% | 2.08% | -3.45% | -590 bps | |
| Efficiency Ratio | 97.58% | 96.55% | 105.12% | 136.53% | 72.81% | -2,477 bps | |
| Non-Interest Burden | 2.37% | 2.23% | 2.20% | 3.11% | -5.79% | -816 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.07% | -0.82% | -2.84% | -4.00% | -10.27% | -821 bps | |
| Loan Growth (YoY) | -13.24% | -12.50% | -13.38% | -13.63% | -27.33% | -1,409 bps | |
| Deposit Growth (YoY) | -2.68% | -1.43% | -2.01% | -2.65% | -4.91% | -223 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.63% | 0.56% | 1.67% | 1.00% | -4.07% | -570 bps | |
| Allowance / Loans | 3.68% | 3.71% | 3.61% | 3.76% | 0.02% | -366 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.12% | 11.66% | 12.14% | 11.75% | 12.99% | +186 bps | |
| Equity / Assets | 4.89% | 4.82% | 3.71% | 3.13% | 10.02% | +512 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.99% | 57.22% | 56.06% | 54.44% | 45.85% | -1,414 bps | |
| Liquid Assets / Assets | 0.78% | 0.60% | 1.05% | 0.77% | 0.13% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |