Richmond, VA · Charter 24349
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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 24349
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.53% | 0.61% | 0.66% | 0.74% | 0.31% | 0.36% | 0.34% | -32 bps | |
| Return on Equity | 6.52% | 5.99% | 6.71% | 7.04% | 7.71% | 3.27% | 3.62% | 3.49% | -355 bps | |
| Net Interest Margin | 4.46% | 4.48% | 4.52% | 4.47% | 4.48% | 4.49% | 3.70% | 3.67% | -80 bps | |
| Efficiency Ratio | 83.05% | 85.73% | 85.43% | 84.19% | 84.51% | 89.49% | 89.15% | 93.79% | +961 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | -2.90% | -2.10% | -3.90% | -3.58% | -2.26% | -3.77% | -1.23% | +267 bps | |
| Loan Growth (YoY) | -10.18% | -4.23% | 0.37% | 5.28% | 10.64% | 7.39% | 7.54% | 7.95% | +266 bps | |
| Share Growth (YoY) | 0.84% | -3.24% | -2.33% | -4.67% | -4.47% | -5.84% | -4.86% | -2.16% | +252 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.92% | 1.30% | 1.24% | 1.05% | 0.71% | 0.69% | 0.53% | -71 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 | 0.87% | 0.75% | 0.63% | 0.59% | 0.54% | 0.45% | 0.47% | 0.52% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.64% | 8.87% | 9.13% | 9.37% | 9.66% | 9.52% | 9.85% | 9.74% | +37 bps | |
| Net Worth / Assets | 8.64% | 8.87% | 9.13% | 9.37% | 9.66% | 9.52% | 9.85% | 9.74% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.13% | 53.74% | 54.13% | 54.15% | 58.06% | 61.29% | 61.18% | 59.74% | +559 bps | |
| Liquid Assets / Assets | 7.51% | 5.28% | 4.45% | 4.56% | 0.00% | 0.00% | 0.00% | 0.00% | -456 bps | |