Richmond, VA · Charter 23350
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Richmond, VA · Charter 23350
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.90% | 4.99% | 1.94% | -1.79% | -0.06% | -2.47% | 2.24% | 1.46% | +325 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.63% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.90% | 8.12% | 7.85% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 84.67% | 72.42% | 67.30% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.69% | -45.53% | -38.84% | -25.89% | -21.95% | -0.29% | -0.17% | 8.41% | +3,430 bps | |
| Loan Growth (YoY) | 10.78% | -14.07% | -29.95% | -27.76% | -29.34% | -9.02% | 23.61% | 25.68% | +5,344 bps | |
| Share Growth (YoY) | -37.25% | -65.61% | -54.52% | -36.79% | -33.44% | 5.04% | -7.18% | 9.40% | +4,618 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.71% | 12.23% | 18.86% | 17.81% | 18.73% | 8.70% | 5.25% | 5.05% | -1,276 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 | 6.90% | 4.30% | 5.91% | 11.13% | 10.36% | 4.61% | 4.04% | 5.75% | -537 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 40.25% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 40.25% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.12% | 148.93% | 84.37% | 106.47% | 99.93% | 129.00% | 112.35% | 122.32% | +1,585 bps | |
| Liquid Assets / Assets | 47.06% | 13.33% | 12.82% | 14.31% | 54.31% | 0.00% | 0.00% | 41.26% | +2,694 bps | |