Fredericksburg, VA · Cert 30123
FDIC
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.
Fredericksburg, VA · Cert 30123
FDIC
Q2 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.66% | 1.53% | 1.53% | 1.53% | 1.52% | 1.08% | 0.00% | -153 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 3.03% | 0.00% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 45.29% | n/a | n/a | n/a |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 1.36% | 0.00% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.70% | -3.09% | -1.25% | 0.89% | 0.72% | -3.52% | -1.91% | -0.13% | -102 bps | |
| Loan Growth (YoY) | 0.62% | 2.59% | 5.22% | 6.65% | 7.93% | 5.46% | 5.14% | 2.54% | -411 bps | |
| Deposit Growth (YoY) | -4.51% | -4.05% | 1.17% | 1.73% | 2.43% | 2.39% | 3.46% | 5.05% | +332 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 1.26% | 2.11% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 40.70% | 36.09% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 23.92% | 22.96% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.06% | 116.54% | 118.35% | 120.68% | 121.24% | 120.03% | 120.27% | 117.79% | -288 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.38% | 8.36% | +836 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |