Roanoke, VA · Cert 34645
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Roanoke, VA · Cert 34645
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.45% | 0.40% | 0.39% | 0.37% | 0.24% | 0.27% | 0.27% | -12 bps | |
| Return on Equity | 10.21% | 5.47% | 4.82% | 4.58% | 4.25% | 2.57% | 2.87% | 2.84% | -174 bps | |
| Net Interest Margin | 2.88% | 2.60% | 2.56% | 2.60% | 2.65% | 2.46% | 2.55% | 2.54% | -6 bps | |
| Efficiency Ratio | 66.88% | 78.75% | 80.73% | 81.55% | 82.98% | 91.00% | 89.77% | 89.65% | +810 bps | |
| Non-Interest Burden | 1.81% | 1.98% | 2.01% | 2.07% | 2.14% | 2.21% | 2.25% | 2.24% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.43% | -9.35% | -5.92% | -8.36% | -8.07% | -7.16% | -8.60% | -2.05% | +631 bps | |
| Loan Growth (YoY) | -8.84% | -12.05% | -0.98% | -4.64% | -11.69% | -7.07% | -8.08% | -5.91% | -127 bps | |
| Deposit Growth (YoY) | -10.92% | -10.80% | -7.02% | -9.09% | -9.12% | -7.60% | -9.13% | -2.57% | +652 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 | 0.06% | 0.12% | -0.06% | 0.07% | 0.07% | -0.08% | -0.07% | -0.06% | -14 bps | |
| Allowance / Loans | 1.30% | 1.33% | 1.39% | 1.37% | 1.50% | 1.50% | 1.52% | 1.55% | +18 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 | 13.80% | 14.08% | 14.08% | 14.65% | 15.67% | 15.79% | 15.70% | 15.86% | +121 bps | |
| Equity / Assets | 8.21% | 8.43% | 8.37% | 8.91% | 9.32% | 9.40% | 9.46% | 9.37% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.01% | 67.12% | 67.03% | 68.90% | 66.08% | 67.51% | 67.80% | 66.54% | -236 bps | |
| Liquid Assets / Assets | 27.01% | 33.52% | 30.36% | 31.69% | 34.49% | 32.71% | 31.39% | 31.96% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |