Lynchburg, VA · Charter 2225
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.58% | 0.12% | -0.05% | 0.23% | 0.03% | -3.47% | -24.89% | -2,484 bps | |
| Return on Equity | 2.39% | 2.03% | 0.45% | -0.16% | 0.79% | 0.12% | -12.64% | -153.57% | -15,341 bps | |
| Net Interest Margin | 4.46% | 4.65% | 4.44% | 4.34% | 4.40% | 4.43% | 3.76% | -16.95% | -2,129 bps | |
| Efficiency Ratio | 86.90% | 88.73% | 97.46% | 100.95% | 100.79% | 103.50% | 115.45% | n/a | n/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 / Loans | 0.51% | 0.25% | 0.64% | 0.41% | 0.19% | 0.35% | 0.46% | 0.56% | +15 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 | 0.69% | 0.65% | 0.72% | 0.79% | 0.15% | 0.17% | 0.19% | 0.10% | -69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.17% | 28.47% | 27.77% | 27.85% | 29.11% | 29.72% | 27.45% | 16.21% | -1,165 bps | |
| Net Worth / Assets | 27.17% | 28.47% | 27.77% | 27.85% | 29.11% | 29.72% | 27.45% | 16.21% | -1,165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.40% | 46.95% | 45.21% | 42.80% | 40.99% | 39.99% | 34.40% | 29.50% | -1,331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |