Harrisonburg, VA · Cert 22035
FDIC
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Harrisonburg, VA · Cert 22035
FDIC
Q4 2001
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 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.45% | 1.44% | 1.40% | 1.15% | 0.20% | 0.12% | 0.41% | -98 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.67% | 3.68% | 3.56% | 3.53% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 51.20% | 61.77% | 65.79% | 61.79% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 1.60% | 2.04% | 2.14% | 1.96% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.18% | 8.96% | 12.08% | 8.77% | 4.03% | -0.64% | -5.06% | -3.49% | -1,226 bps | |
| Loan Growth (YoY) | 11.90% | 9.77% | 10.35% | 3.96% | 1.11% | -6.39% | -9.70% | -5.20% | -916 bps | |
| Deposit Growth (YoY) | 9.04% | 12.04% | 17.06% | 15.26% | 6.73% | 1.33% | -5.45% | -2.49% | -1,775 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 | n/a | n/a | n/a | n/a | 0.54% | 3.23% | 2.41% | 2.21% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 1.26% | 0.61% | 0.84% | 0.47% | n/a | |
| 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 | n/a | n/a | n/a | n/a | 11.57% | 10.96% | 11.47% | 11.49% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 8.33% | 8.15% | 8.25% | 8.35% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.50% | 100.83% | 94.02% | 93.16% | 94.26% | 93.14% | 89.79% | 90.56% | -259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 2.90% | 2.76% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |