Richmond, VA · Charter 21300
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Richmond, VA · Charter 21300
Q3 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.65% | 3.15% | 2.53% | 2.85% | -3.72% | 0.10% | 0.42% | -1.12% | -398 bps | |
| Return on Equity | 14.84% | 14.88% | 11.65% | 13.88% | -18.26% | 0.68% | 5.20% | -12.75% | -2,663 bps | |
| Net Interest Margin | 5.73% | 6.10% | 5.97% | 3.46% | 4.11% | 3.49% | 4.07% | 3.69% | +23 bps | |
| Efficiency Ratio | 59.32% | 52.10% | 51.90% | 45.26% | 172.07% | 97.56% | 91.49% | 125.16% | +7,990 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | -5.63% | -6.45% | -6.59% | -19.13% | -11.80% | -21.66% | -38.30% | -3,170 bps | |
| Loan Growth (YoY) | 1.70% | -15.75% | -22.77% | -37.51% | -41.33% | -52.28% | -52.39% | -51.76% | -1,425 bps | |
| Share Growth (YoY) | 2.30% | -11.09% | -11.33% | -10.80% | -22.87% | -6.30% | -7.31% | -28.71% | -1,791 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.22% | 7.63% | 6.54% | 5.21% | 10.01% | 36.78% | 41.02% | 35.12% | +2,991 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 | 1.39% | 2.01% | 1.43% | 1.45% | 1.73% | 3.82% | 4.42% | 4.72% | +327 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.86% | 21.19% | 21.74% | 20.56% | 20.35% | 15.41% | 8.15% | 8.81% | -1,175 bps | |
| Net Worth / Assets | 17.86% | 21.19% | 21.74% | 20.56% | 20.35% | 15.41% | 8.15% | 8.81% | -1,175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.79% | 81.67% | 73.54% | 61.02% | 62.22% | 41.59% | 37.77% | 41.29% | -1,973 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |