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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45%1 | 0.29%1 | 0.27%1 | -0.34% | 0.11% | -0.46% | -1.45% | 2.60% | +294 bps | |
| Return on Equity | 10.34% | 6.27% | 5.54% | -6.88% | 2.34% | -10.67% | -42.38% | 40.22% | +4,710 bps | |
| Net Interest Margin | 2.80% | 2.79% | 2.32% | 2.45% | 2.33% | 2.05% | 2.08% | -3.45% | -590 bps | |
| Efficiency Ratio | 93.08% | 81.83% | 104.17% | 97.58% | 96.55% | 105.12% | 136.53% | 72.81% | -2,477 bps | |
| Non-Interest Burden | 2.56% | 2.14% | 2.45% | 2.37% | 2.23% | 2.20% | 3.11% | -5.79% | -816 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.19% | -3.62% | -3.87% | -2.07% | -0.82% | -2.84% | -4.00% | -10.27% | -821 bps | |
| Loan Growth (YoY) | -14.93% | -14.54% | -15.37% | -13.24% | -12.50% | -13.38% | -13.63% | -27.33% | -1,409 bps | |
| Deposit Growth (YoY) | -3.44% | -3.87% | -4.61% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.48% | 3.90% | 2.54% | 1.63% | 0.56% | 1.67% | 1.00% | -4.07% | -570 bps | |
| Allowance / Loans | 4.10% | 3.91% | 3.70% | 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 | 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 | 10.32% | 10.72% | 11.29% | 11.12% | 11.66% | 12.14% | 11.75% | 12.99% | +186 bps | |
| Equity / Assets | 4.43% | 4.84% | 5.00% | 4.89% | 4.82% | 3.71% | 3.13% | 10.02% | +512 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.46% | 63.42% | 61.37% | 59.99% | 57.22% | 56.06% | 54.44% | 45.85% | -1,414 bps | |
| Liquid Assets / Assets | 0.62% | 0.57% | 0.87% | 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 | n/a | n/a | n/a |