Bowling Green, VA · Cert 31673
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Bowling Green, VA · Cert 31673
FDIC
Q1 2002
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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.72% | 0.61% | 0.67% | 0.60% | 0.59% | 0.67% | 0.84% | +17 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.64% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.91% | 3.52% | 3.53% | 3.70% | 4.34% | +43 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 81.82% | 80.08% | 78.78% | 76.60% | 74.79% | -703 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.09% | 2.59% | 2.53% | 2.54% | 2.92% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.58% | -6.64% | 2.53% | 0.23% | 4.30% | 0.57% | -5.83% | -8.48% | -871 bps | |
| Loan Growth (YoY) | -3.58% | -4.29% | -0.02% | -0.70% | -1.24% | 1.97% | 0.04% | -3.34% | -264 bps | |
| Deposit Growth (YoY) | -3.95% | -5.68% | 2.71% | 5.10% | 5.75% | 6.62% | -2.65% | -6.76% | -1,186 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 | 0.07% | 0.14% | 0.12% | 0.10% | 0.02% | -5 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.01% | 1.05% | 1.08% | 1.12% | 1.20% | +19 bps | |
| 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 | 18.56% | 15.94% | 14.87% | 15.42% | 14.95% | -361 bps | |
| Equity / Assets | n/a | n/a | n/a | 11.73% | 11.40% | 11.98% | 12.53% | 12.88% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.03% | 92.34% | 92.35% | 92.80% | 88.75% | 88.32% | 94.90% | 96.22% | +341 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 2.68% | 3.47% | 0.17% | 0.06% | 0.06% | -263 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |