Richmond, VA · Charter 23945
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.46% | -0.30% | -0.35% | -0.38% | 0.02% | -0.67% | -1.23% | -88 bps | |
| Return on Equity | 3.80% | 2.82% | -2.04% | -2.46% | -2.63% | 0.15% | -4.77% | -8.51% | -605 bps | |
| Net Interest Margin | 4.17% | 3.98% | 3.45% | 3.56% | 3.78% | 4.15% | 4.00% | 4.36% | +80 bps | |
| Efficiency Ratio | 67.28% | 71.89% | 99.92% | 94.50% | 93.83% | 86.72% | 96.16% | 109.48% | +1,497 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.55% | 21.63% | 29.62% | 36.13% | 11.14% | 6.32% | 0.96% | -8.37% | -4,449 bps | |
| Loan Growth (YoY) | 19.40% | 12.97% | 3.93% | -13.53% | -10.41% | 0.86% | 8.82% | 14.71% | +2,824 bps | |
| Share Growth (YoY) | 21.90% | 24.99% | 35.95% | 45.60% | 14.42% | 8.67% | 1.89% | -8.59% | -5,420 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.91% | 3.44% | 1.97% | 2.00% | 2.15% | 2.33% | 0.91% | 1.12% | -88 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 | 1.17% | 1.74% | 1.36% | 1.54% | 2.01% | 1.92% | 1.94% | 2.07% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.51% | 16.40% | 14.78% | 14.21% | 14.61% | 15.04% | 14.07% | 14.47% | +25 bps | |
| Net Worth / Assets | 16.51% | 16.40% | 14.78% | 14.21% | 14.61% | 15.04% | 14.07% | 14.47% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.70% | 63.84% | 55.80% | 51.33% | 54.58% | 59.26% | 59.60% | 64.42% | +1,309 bps | |
| Liquid Assets / Assets | 41.29% | 45.55% | 44.69% | 54.51% | 43.18% | 39.84% | 47.70% | 44.44% | -1,007 bps | |