Norfolk, VA · Charter 23808
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.74% | 0.08% | -0.74% | -0.25% | 0.04% | 0.00% | -4.85% | -4.41% | -416 bps | |
| Return on Equity | -5.94% | 0.56% | -5.55% | -1.93% | 0.29% | 0.00% | -48.95% | -39.55% | -3,763 bps | |
| Net Interest Margin | 3.90% | 3.88% | 2.94% | 3.23% | 3.01% | 3.10% | 2.54% | 3.71% | +48 bps | |
| Efficiency Ratio | 117.99% | 98.02% | 120.44% | 106.30% | 99.04% | 65.90% | 142.16% | 139.42% | +3,312 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | -10.43% | -9.96% | -5.37% | 3.77% | 16.41% | 9.35% | -6.24% | -87 bps | |
| Loan Growth (YoY) | -6.49% | 12.10% | 39.73% | 77.32% | 48.19% | 44.77% | 14.86% | -2.83% | -8,016 bps | |
| Share Growth (YoY) | -4.24% | -13.15% | -12.21% | -4.59% | 5.12% | 22.21% | 13.88% | -3.25% | +134 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.26% | 7.32% | 5.43% | 5.43% | 6.02% | 3.90% | 8.97% | 22.18% | +1,674 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 | 2.79% | 3.13% | 3.83% | 3.83% | 2.45% | 1.60% | 1.55% | 1.83% | -200 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.52% | 14.10% | 13.42% | 12.89% | 12.49% | 11.54% | 9.90% | 11.15% | -173 bps | |
| Net Worth / Assets | 12.52% | 14.10% | 13.42% | 12.89% | 12.49% | 11.54% | 9.90% | 11.15% | -173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.94% | 35.77% | 30.72% | 30.72% | 43.62% | 42.37% | 30.99% | 30.85% | +13 bps | |
| Liquid Assets / Assets | 71.83% | 68.31% | 71.81% | 72.16% | 60.73% | 61.20% | 71.11% | 70.81% | -136 bps | |