Portsmouth, VA · Charter 23114
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Portsmouth, VA · Charter 23114
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.91% | -3.40% | -3.42% | -1.71% | -8.99% | -26.69% | -0.24% | -7.67% | -597 bps | |
| Return on Equity | -4.53% | -3.95% | -3.96% | -1.98% | -10.95% | -31.88% | -0.28% | -9.03% | -705 bps | |
| Net Interest Margin | 1.37% | 1.03% | 1.03% | 0.52% | 0.30% | 6.18% | 0.02% | 0.02% | -49 bps | |
| Efficiency Ratio | 383% | 427% | 431% | 431% | 3084% | 531% | 1167% | 32600% | +3,216,944 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.84% | -4.30% | -3.31% | -3.47% | -23.34% | -15.53% | -5.31% | -8.83% | -536 bps | |
| Loan Growth (YoY) | 581% | 581% | 581% | 1051% | 0.00% | -100.00% | -100.00% | -100.00% | -115,105 bps | |
| Share Growth (YoY) | -1.32% | -1.32% | -1.32% | -1.32% | 0.00% | -0.33% | -0.33% | -0.95% | +37 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.69% | 0.00% | 7.83% | 7.83% | 100.00% | n/a | n/a | n/a | n/a | |
| 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 | 29.94% | 29.94% | 29.94% | 29.94% | 29.94% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 86.26% | 86.20% | 86.20% | 86.20% | 82.08% | 83.72% | 85.54% | 85.01% | -119 bps | |
| Net Worth / Assets | 86.26% | 86.20% | 86.20% | 86.20% | 82.08% | 83.72% | 85.54% | 85.01% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 249% | 249% | 249% | 249% | 249% | 0.00% | 0.00% | 0.00% | -24,920 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |