Staunton, VA · Cert 30417
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Staunton, VA · Cert 30417
FDIC
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.61% | 0.60% | 0.35% | 0.87% | 0.92% | 0.74% | 0.85% | +49 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 | 4.88% | 4.84% | 4.51% | 4.61% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 66.65% | 65.08% | 63.30% | 64.75% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 3.37% | 3.13% | 2.76% | 2.92% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.31% | -5.38% | -4.25% | -3.67% | -4.58% | -4.23% | -5.36% | -8.41% | -474 bps | |
| Loan Growth (YoY) | -4.75% | -5.77% | -6.34% | -6.20% | -5.39% | -5.96% | -5.52% | -9.29% | -309 bps | |
| Deposit Growth (YoY) | -5.08% | -6.58% | -4.70% | -6.18% | -1.74% | -0.65% | 1.59% | 5.47% | +1,165 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 | 0.19% | 0.50% | 0.92% | 0.70% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 1.64% | 1.50% | 1.52% | 1.44% | 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 | 13.08% | 13.59% | 14.05% | 15.23% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 9.70% | 10.03% | 10.32% | 11.12% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 125.52% | 126.75% | 124.12% | 123.21% | 120.85% | 119.97% | 115.43% | 105.97% | -1,724 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 2.81% | 3.66% | 4.26% | 5.23% | +523 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |