Harrisonburg, VA · Charter 24145
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Harrisonburg, VA · Charter 24145
Q2 2001
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.42% | 2.30% | 2.90% | 3.18% | 2.42% | 2.03% | 3.26% | 3.26% | +8 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 13.56% | 14.50% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.57% | 4.17% | 4.98% | 4.66% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 68.59% | 71.19% | 58.95% | 55.75% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.83% | -1.18% | 1.36% | 2.70% | 9.74% | 4.87% | 6.46% | 6.53% | +384 bps | |
| Loan Growth (YoY) | -15.11% | 11.77% | 36.11% | 37.95% | 43.87% | 35.54% | 72.51% | 60.00% | +2,205 bps | |
| Share Growth (YoY) | -14.25% | -5.81% | -3.45% | -1.47% | 6.55% | 1.75% | 1.70% | 1.71% | +318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.94% | 3.48% | 0.80% | 3.43% | 3.55% | 2.42% | 1.80% | 2.32% | -110 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 | 1.73% | 1.81% | 1.20% | 1.33% | 0.33% | 1.32% | 0.76% | 1.20% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 24.07% | 22.51% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 24.07% | 22.51% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.06% | 50.85% | 65.17% | 58.40% | 75.70% | 67.74% | 110.56% | 91.87% | +3,347 bps | |
| Liquid Assets / Assets | 45.89% | 38.11% | 36.26% | 23.77% | 18.40% | 26.70% | 4.37% | 25.98% | +221 bps | |