Lynchburg, VA · Cert 34200
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 | 0.78% | 0.74% | 0.60% | 0.59% | 0.70% | 0.65% | 0.62% | 0.43% | -16 bps | |
| Return on Equity | 8.75% | 8.15% | 6.73% | 6.94% | 7.92% | 7.23% | 7.06% | 4.93% | -201 bps | |
| Net Interest Margin | 3.06% | 3.06% | 2.92% | 2.85% | 2.95% | 2.81% | 3.00% | 2.58% | -27 bps | |
| Efficiency Ratio | 66.87% | 67.70% | 71.22% | 70.24% | 69.94% | 71.20% | 71.67% | 78.36% | +812 bps | |
| Non-Interest Burden | 1.83% | 1.96% | 1.98% | 1.91% | 1.92% | 1.92% | 2.06% | 1.95% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.44% | -15.23% | -2.51% | 14.02% | 4.94% | 12.36% | 4.87% | 5.58% | -844 bps | |
| Loan Growth (YoY) | -10.61% | -10.43% | -2.49% | 4.52% | 4.91% | 1.45% | 8.99% | 9.33% | +480 bps | |
| Deposit Growth (YoY) | -8.04% | -18.72% | -2.13% | 16.85% | 4.97% | 16.81% | 4.74% | 5.60% | -1,125 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% | 0.07% | -0.05% | 0.64% | 0.02% | -0.09% | -0.13% | -0.10% | -74 bps | |
| Allowance / Loans | 1.57% | 1.56% | 1.64% | 1.47% | 1.46% | 1.53% | 1.50% | 1.51% | +4 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 | 13.79% | 13.85% | 14.02% | 14.03% | 14.64% | 14.58% | 14.75% | 14.42% | +40 bps | |
| Equity / Assets | 9.14% | 8.96% | 8.78% | 8.30% | 9.38% | 8.57% | 9.00% | 8.41% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.65% | 70.78% | 64.69% | 61.16% | 70.61% | 61.47% | 67.31% | 63.32% | +216 bps | |
| Liquid Assets / Assets | 27.80% | 29.82% | 23.95% | 21.55% | 25.54% | 22.44% | 23.69% | 23.11% | +156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |