Staunton, VA · Cert 34199
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.28% | 0.35% | 0.22% | 0.42% | 0.37% | 0.40% | 0.36% | +14 bps | |
| Return on Equity | 6.06% | 4.34% | 5.34% | 3.36% | 6.24% | 5.34% | 5.67% | 5.10% | +174 bps | |
| Net Interest Margin | 2.40% | 2.48% | 2.56% | 2.52% | 2.82% | 2.81% | 2.94% | 2.65% | +13 bps | |
| Efficiency Ratio | 78.12% | 84.26% | 81.42% | 87.65% | 81.63% | 81.79% | 81.08% | 82.18% | -547 bps | |
| Non-Interest Burden | 1.77% | 2.05% | 2.03% | 2.18% | 2.21% | 2.25% | 2.33% | 2.12% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.83% | -2.56% | -1.75% | -0.23% | -0.24% | -2.05% | -2.76% | -0.49% | -26 bps | |
| Loan Growth (YoY) | -12.75% | -10.11% | -2.22% | 11.15% | 9.60% | -0.71% | -0.79% | -2.72% | -1,387 bps | |
| Deposit Growth (YoY) | -2.70% | -3.11% | -2.37% | -0.65% | -0.63% | -2.54% | -3.27% | -0.95% | -30 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 | 0.13% | 0.15% | -0.24% | 0.46% | 0.03% | -0.12% | -0.09% | 0.03% | -43 bps | |
| Allowance / Loans | 1.37% | 1.27% | 1.38% | 1.20% | 1.24% | 1.33% | 1.41% | 1.35% | +15 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 | 13.13% | 13.20% | 13.60% | 13.24% | 13.31% | 13.83% | 14.02% | 13.82% | +59 bps | |
| Equity / Assets | 6.40% | 6.47% | 6.61% | 6.61% | 6.73% | 6.95% | 7.15% | 7.02% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.19% | 67.53% | 66.81% | 70.74% | 69.69% | 68.79% | 68.52% | 69.48% | -126 bps | |
| Liquid Assets / Assets | 24.53% | 30.30% | 25.93% | 25.08% | 26.69% | 26.70% | 27.63% | 28.14% | +306 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |