Dublin, VA · Charter 22684
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Dublin, VA · Charter 22684
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.45% | -3.01% | -2.50% | -2.51% | -2.63% | -2.64% | -2.18% | -2.12% | +39 bps | |
| Return on Equity | -18.56% | -25.14% | -22.27% | -25.00% | -24.83% | -30.87% | -26.12% | -26.65% | -166 bps | |
| Net Interest Margin | 2.74% | 2.49% | 2.62% | 2.58% | 2.90% | 2.47% | 2.67% | 2.73% | +15 bps | |
| Efficiency Ratio | 182.15% | 209% | 188.59% | 190.47% | 183.17% | 195.20% | 172.55% | 168.93% | -2,154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.18% | -5.21% | 9.20% | 13.35% | -4.70% | 10.71% | 5.89% | 0.17% | -1,318 bps | |
| Loan Growth (YoY) | -28.05% | -28.87% | -12.42% | -7.80% | 4.07% | 14.91% | 13.35% | 7.91% | +1,571 bps | |
| Share Growth (YoY) | 2.22% | -1.43% | 15.90% | 20.97% | -1.88% | 15.25% | 9.38% | 2.54% | -1,843 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.12% | 0.18% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0 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 | 0.97% | 1.01% | 0.90% | 0.90% | 0.93% | 0.88% | 0.80% | 0.83% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.20% | 11.98% | 11.21% | 10.04% | 10.59% | 8.55% | 8.34% | 7.95% | -209 bps | |
| Net Worth / Assets | 13.20% | 11.98% | 11.21% | 10.04% | 10.59% | 8.55% | 8.34% | 7.95% | -209 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.43% | 35.89% | 38.82% | 36.70% | 39.70% | 35.79% | 40.23% | 38.62% | +192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |