Bassett, VA · Cert 22359
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.57% | 0.55% | 0.46% | 0.44% | 0.65% | 0.51% | 0.58% | +13 bps | |
| Return on Equity | 6.99% | 9.25% | 8.79% | 7.41% | 7.32% | 10.64% | 8.09% | 9.37% | +197 bps | |
| Net Interest Margin | 2.38% | 2.41% | 2.52% | 2.41% | 2.48% | 2.66% | 2.52% | 2.59% | +19 bps | |
| Efficiency Ratio | 76.32% | 71.66% | 72.57% | 76.42% | 78.37% | 70.04% | 76.52% | 74.10% | -233 bps | |
| Non-Interest Burden | 1.71% | 1.64% | 1.75% | 1.77% | 1.86% | 1.77% | 1.86% | 1.83% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.78% | -0.93% | -2.05% | 0.15% | 4.55% | 2.38% | 2.57% | 2.59% | +243 bps | |
| Loan Growth (YoY) | 12.99% | 13.75% | 3.69% | 3.90% | 13.44% | 11.14% | 11.61% | 11.11% | +721 bps | |
| Deposit Growth (YoY) | 0.53% | -1.23% | -2.46% | -0.12% | 4.61% | 2.30% | 2.61% | 2.40% | +252 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 | 0.25% | 0.10% | -0.17% | 0.04% | 0.32% | 0.00% | 0.03% | 0.02% | -2 bps | |
| Allowance / Loans | 1.18% | 1.16% | 1.21% | 1.19% | 1.07% | 1.09% | 1.07% | 1.06% | -13 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 | 11.73% | 11.94% | 11.80% | 11.75% | 11.22% | 11.53% | 11.51% | 11.38% | -37 bps | |
| Equity / Assets | 6.09% | 6.20% | 6.22% | 6.14% | 6.00% | 6.26% | 6.26% | 6.22% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.46% | 58.72% | 59.98% | 60.66% | 62.31% | 63.79% | 65.25% | 65.82% | +516 bps | |
| Liquid Assets / Assets | 25.50% | 31.40% | 29.49% | 28.71% | 29.21% | 28.39% | 26.65% | 26.74% | -197 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |