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Lynchburg Foundry

Lynchburg, VA · Charter 2225

Q2 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lynchburg Foundry

Lynchburg, VA · Charter 2225

Q2 2009

$14.7MAssets
$3.6MLoans
$12.2MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of -24.89%, down 2,484 bps year over year; NIM at -16.95%.
  • Asset quality: problem loans at 0.56% of loans (+15 bps YoY).
  • Capital: net worth / assets of 16.21%, down 1,165 bps from a year ago.
  • Funding: loans stand at 29.50% of shares as of Q2 2009.

Return on Assets (YTD, annualized)

-24.89%-2,484 bps YoY

Net Interest Margin (YTD, annualized)

-16.95%-2,129 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

16.21%-1,165 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.65%0.58%0.12%-0.05%0.23%0.03%-3.47%-24.89%-2,484 bps
Return on Equity2.39%2.03%0.45%-0.16%0.79%0.12%-12.64%-153.57%-15,341 bps
Net Interest Margin4.46%4.65%4.44%4.34%4.40%4.43%3.76%-16.95%-2,129 bps
Efficiency Ratio86.90%88.73%97.46%100.95%100.79%103.50%115.45%n/an/a
Growth
Asset Growth (YoY)-3.75%-3.72%-4.38%-3.64%-1.90%-0.02%2.21%1.54%+518 bps
Loan Growth (YoY)-4.96%-4.22%-1.45%-8.75%-11.71%-16.27%-22.18%-18.90%-1,014 bps
Share Growth (YoY)-5.32%-5.78%-6.30%-5.15%-4.36%-1.69%2.27%17.69%+2,284 bps
Asset Quality
Delinquent Loans / Loans0.51%0.25%0.64%0.41%0.19%0.35%0.46%0.56%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.69%0.65%0.72%0.79%0.15%0.17%0.19%0.10%-69 bps
Capital
Risk-Based Capital27.17%28.47%27.77%27.85%29.11%29.72%27.45%16.21%-1,165 bps
Net Worth / Assets27.17%28.47%27.77%27.85%29.11%29.72%27.45%16.21%-1,165 bps
Liquidity & Funding
Loans / Shares44.40%46.95%45.21%42.80%40.99%39.99%34.40%29.50%-1,331 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps