Verona, VA · Charter 23207
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.87% | 3.52% | 0.81% | 0.56% | 1.02% | -1.06% | -0.66% | -0.01% | -57 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 14.76% | -17.02% | -10.81% | -0.13% | n/a | |
| Net Interest Margin | n/a | n/a | 5.02% | 5.26% | 5.85% | 4.77% | 4.85% | 6.48% | +121 bps | |
| Efficiency Ratio | n/a | n/a | 88.53% | 87.35% | 83.47% | 110.83% | 107.98% | 96.84% | +949 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.12% | 0.70% | -0.53% | -10.76% | -2.51% | -3.82% | -1.12% | -18.77% | -801 bps | |
| Loan Growth (YoY) | 7.11% | 11.24% | 2.86% | 5.70% | -3.97% | -10.66% | -7.70% | -19.39% | -2,509 bps | |
| Share Growth (YoY) | 6.63% | 1.38% | -1.63% | -12.55% | -2.16% | -4.34% | -0.22% | -18.91% | -635 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.86% | 0.37% | 0.19% | 0.65% | 0.00% | 0.00% | 0.03% | -16 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 | 3.23% | 3.03% | 1.87% | 1.83% | 1.45% | 1.15% | 0.83% | 0.91% | -92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 6.88% | 6.24% | 6.08% | 7.55% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 6.88% | 6.24% | 6.08% | 7.55% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.14% | 80.87% | 81.31% | 85.02% | 83.56% | 75.53% | 75.22% | 84.51% | -51 bps | |
| Liquid Assets / Assets | 5.90% | 9.03% | 0.00% | 5.97% | 11.31% | 19.01% | 18.36% | 9.14% | +317 bps | |