Lynchburg, VA · Charter 23402
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.88% | 3.27% | 3.72% | 3.04% | 1.14% | 0.59% | 0.69% | 0.42% | -261 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 6.37% | 3.72% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.44% | 5.01% | 5.54% | 4.56% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 79.90% | 89.58% | 87.71% | 91.06% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.72% | 2.30% | 1.57% | 6.77% | 4.59% | 14.56% | 10.17% | -12.43% | -1,920 bps | |
| Loan Growth (YoY) | 5.27% | 10.97% | 5.44% | 12.14% | 18.35% | 14.98% | 16.76% | -9.37% | -2,151 bps | |
| Share Growth (YoY) | 12.25% | 0.33% | -1.57% | 5.96% | 3.41% | 13.99% | 10.13% | -15.19% | -2,115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.20% | 5.11% | 0.00% | 15.38% | 0.05% | 0.83% | 0.63% | +63 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 | 3.32% | 3.41% | 2.45% | 2.34% | 2.89% | 2.61% | 3.05% | 3.42% | +108 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 10.87% | 11.33% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 10.87% | 11.33% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.52% | 79.00% | 83.69% | 73.04% | 93.30% | 79.69% | 88.72% | 78.06% | +502 bps | |
| Liquid Assets / Assets | 12.76% | 15.95% | 17.71% | 25.61% | 11.56% | 0.00% | 14.02% | 28.85% | +324 bps | |