Newport News, VA · Cert 34203
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.49% | 0.55% | 0.85% | 0.66% | 0.82% | 0.90% | -0.48% | -133 bps | |
| Return on Equity | 6.86% | 6.30% | 7.41% | 10.56% | 7.64% | 9.45% | 10.51% | -6.06% | -1,662 bps | |
| Net Interest Margin | 3.26% | 3.19% | 3.42% | 3.57% | 3.29% | 3.50% | 3.59% | 3.71% | +14 bps | |
| Efficiency Ratio | 73.25% | 73.34% | 65.07% | 60.84% | 66.04% | 65.02% | 61.61% | 109.06% | +4,823 bps | |
| Non-Interest Burden | 2.29% | 2.26% | 2.08% | 2.03% | 2.03% | 2.07% | 1.92% | 4.14% | +211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.71% | 28.19% | 31.50% | 34.86% | 34.74% | 25.57% | 19.49% | 24.13% | -1,073 bps | |
| Loan Growth (YoY) | 27.47% | 35.91% | 43.54% | 47.89% | 51.89% | 41.40% | 33.50% | 36.15% | -1,175 bps | |
| Deposit Growth (YoY) | 23.97% | 29.56% | 32.27% | 32.16% | 34.94% | 23.30% | 18.49% | 26.88% | -528 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 | -0.01% | 0.02% | 0.38% | 0.05% | 0.04% | 0.04% | 0.07% | 0.67% | +62 bps | |
| Allowance / Loans | 1.37% | 1.29% | 1.26% | 1.30% | 1.35% | 1.37% | 1.37% | 1.21% | -10 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 | 9.88% | 9.03% | 8.37% | 12.46% | 12.02% | 11.61% | 11.06% | 10.10% | -236 bps | |
| Equity / Assets | 7.94% | 7.60% | 7.32% | 8.76% | 8.62% | 8.73% | 8.44% | 7.43% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.03% | 82.66% | 87.01% | 87.97% | 90.08% | 94.79% | 98.03% | 94.39% | +642 bps | |
| Liquid Assets / Assets | 0.05% | 0.05% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.03% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |