Roanoke, VA · Cert 34453
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.32% | 2.66% | 4.58% | 2.74% | 3.82% | 4.98% | 4.01% | 2.75% | +2 bps | |
| Return on Equity | 13.44% | 10.50% | 17.41% | 9.84% | 12.93% | 16.13% | 13.02% | 8.70% | -114 bps | |
| Net Interest Margin | 4.68% | 4.35% | 5.26% | 4.55% | 4.43% | 4.61% | 4.62% | 4.63% | +9 bps | |
| Efficiency Ratio | 65.48% | 64.22% | 65.50% | 73.09% | 68.70% | 65.28% | 68.20% | 77.30% | +422 bps | |
| Non-Interest Burden | -4.22% | -5.21% | -4.08% | -2.65% | -4.57% | -6.05% | -4.64% | -1.69% | +96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.63% | 6.05% | -5.11% | -2.99% | -6.73% | -5.77% | 1.47% | -1.83% | +116 bps | |
| Loan Growth (YoY) | 3.43% | 1.92% | 3.08% | 4.52% | 1.34% | 1.27% | 3.32% | -1.89% | -640 bps | |
| Deposit Growth (YoY) | -0.20% | -0.20% | -0.20% | 60.95% | 131.36% | 114.79% | 104.35% | 21.69% | -3,926 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 | 3.49% | 3.27% | 2.58% | 2.31% | 2.43% | 2.28% | 2.46% | 1.72% | -59 bps | |
| Allowance / Loans | 8.29% | 8.44% | 7.86% | 7.41% | 7.42% | 7.57% | 6.84% | 7.60% | +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 | 27.85% | 28.92% | 28.34% | 30.55% | 31.72% | 33.34% | 31.91% | 35.25% | +470 bps | |
| Equity / Assets | 24.83% | 25.82% | 26.77% | 28.86% | 30.22% | 31.54% | 30.04% | 33.38% | +452 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38884% | 38536% | 41721% | 24618% | 17031% | 18169% | 21094% | 19848% | -476,970 bps | |
| Liquid Assets / Assets | 0.31% | 0.32% | 0.32% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |