Williamsburg, VA · Cert 34933
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.45% | 0.52% | 0.59% | 0.32% | 0.53% | 0.60% | 0.62% | +3 bps | |
| Return on Equity | 8.39% | 5.38% | 6.44% | 7.37% | 4.13% | 6.79% | 7.63% | 7.88% | +51 bps | |
| Net Interest Margin | 3.52% | 3.36% | 3.38% | 3.40% | 3.27% | 3.40% | 3.59% | 3.45% | +4 bps | |
| Efficiency Ratio | 73.18% | 82.04% | 79.47% | 74.09% | 81.84% | 74.33% | 69.58% | 69.40% | -469 bps | |
| Non-Interest Burden | 2.50% | 2.71% | 2.63% | 2.46% | 2.64% | 2.45% | 2.42% | 2.28% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.40% | 18.46% | 8.92% | 9.29% | 14.13% | 9.87% | 20.23% | 18.24% | +895 bps | |
| Loan Growth (YoY) | 11.43% | 19.65% | 12.51% | 9.05% | 13.62% | 7.92% | 13.31% | 13.20% | +415 bps | |
| Deposit Growth (YoY) | 4.41% | 6.07% | -1.46% | 2.03% | -7.69% | -0.16% | 26.16% | 28.90% | +2,686 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 | 0.00% | 0.02% | 0.00% | 0.01% | 0.00% | 0.07% | 0.04% | 0.00% | -1 bps | |
| Allowance / Loans | 0.94% | 0.89% | 0.89% | 0.88% | 0.89% | 0.91% | 0.94% | 0.99% | +11 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 | 12.05% | 11.31% | 11.15% | 10.74% | 10.27% | 10.37% | 10.91% | 10.85% | +10 bps | |
| Equity / Assets | 8.56% | 8.21% | 8.03% | 7.94% | 7.79% | 7.94% | 7.82% | 7.86% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.64% | 121.31% | 124.36% | 129.40% | 147.26% | 131.12% | 111.69% | 113.64% | -1,576 bps | |
| Liquid Assets / Assets | 0.03% | 0.12% | 0.02% | 0.06% | 0.04% | 0.13% | 0.08% | 0.08% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |