Danville, VA · Cert 22371
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 | 0.57% | 0.65% | 0.51% | 0.48% | 0.59% | 0.59% | 0.54% | 0.54% | +6 bps | |
| Return on Equity | 5.41% | 6.20% | 4.89% | 4.65% | 5.64% | 5.70% | 5.29% | 5.22% | +57 bps | |
| Net Interest Margin | 2.87% | 2.91% | 2.75% | 2.67% | 2.80% | 2.88% | 2.94% | 2.79% | +11 bps | |
| Efficiency Ratio | 74.08% | 70.40% | 75.15% | 76.07% | 77.72% | 72.57% | 74.23% | 73.97% | -211 bps | |
| Non-Interest Burden | 2.00% | 1.95% | 2.00% | 1.97% | 2.09% | 2.01% | 2.12% | 1.99% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.83% | -1.56% | -3.18% | 0.87% | 0.07% | 4.76% | 2.28% | -1.04% | -191 bps | |
| Loan Growth (YoY) | 5.58% | 3.83% | 3.08% | 1.54% | -1.04% | 2.64% | 5.67% | 3.14% | +160 bps | |
| Deposit Growth (YoY) | -4.39% | -1.76% | -3.68% | 0.87% | 0.03% | 5.24% | 2.45% | -1.33% | -219 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 | 0.10% | 0.10% | -0.07% | 0.05% | 0.24% | 0.03% | 0.02% | -0.03% | -9 bps | |
| Allowance / Loans | 1.15% | 1.15% | 1.20% | 1.19% | 1.14% | 1.12% | 1.11% | 1.15% | -4 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 | 17.41% | 17.19% | 17.35% | 17.03% | 16.88% | 16.42% | 16.42% | 16.46% | -57 bps | |
| Equity / Assets | 10.56% | 10.51% | 10.51% | 10.29% | 10.59% | 10.05% | 10.30% | 10.44% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.61% | 64.54% | 63.71% | 63.47% | 64.91% | 62.94% | 65.71% | 66.34% | +287 bps | |
| Liquid Assets / Assets | 28.17% | 33.84% | 31.83% | 30.86% | 33.07% | 29.60% | 28.68% | 29.63% | -123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |