Richmond, VA · Charter 24789
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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 24789
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.13% | -1.51% | -1.39% | -1.41% | -1.10% | -1.82% | -1.82% | -43 bps | |
| Return on Equity | -2.47% | -1.25% | -15.28% | -14.12% | -13.38% | -11.23% | -19.16% | -19.97% | -585 bps | |
| Net Interest Margin | 3.53% | 3.04% | 3.20% | 3.27% | 3.57% | 3.00% | 3.00% | 2.96% | -32 bps | |
| Efficiency Ratio | 99.67% | 102.37% | 104.58% | 105.10% | 106.37% | 106.19% | 110.57% | 121.80% | +1,669 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.29% | 5.47% | 0.23% | -2.63% | -6.97% | -11.39% | -9.87% | -8.29% | -566 bps | |
| Loan Growth (YoY) | -13.56% | -9.68% | -11.19% | -11.63% | -12.71% | -18.40% | -20.49% | -20.39% | -876 bps | |
| Share Growth (YoY) | 1.67% | 6.51% | 1.52% | -1.69% | -6.40% | -11.14% | -9.44% | -7.52% | -583 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.92% | 5.21% | 4.25% | 4.04% | 2.33% | 2.54% | 1.42% | 1.33% | -272 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 | 0.66% | 0.73% | 2.36% | 2.77% | 1.33% | 2.22% | 2.74% | 2.89% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.09% | 10.01% | 9.86% | 9.84% | 10.52% | 9.81% | 9.48% | 9.11% | -74 bps | |
| Net Worth / Assets | 11.09% | 10.01% | 9.86% | 9.84% | 10.52% | 9.81% | 9.48% | 9.11% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.32% | 36.78% | 37.71% | 37.42% | 39.47% | 33.78% | 33.11% | 32.21% | -521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |