Charlottesville, VA · Cert 34947
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 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.
Charlottesville, VA · Cert 34947
FDIC
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.09% | 0.10% | 0.03% | 0.07% | 0.20% | 0.25% | -1.08% | -111 bps | |
| Return on Equity | 0.90% | 0.99% | 1.20% | 0.38% | 0.80% | 2.19% | 2.48% | -10.65% | -1,102 bps | |
| Net Interest Margin | 3.32% | 3.36% | 3.58% | 3.68% | 3.79% | 4.05% | 4.03% | 4.39% | +72 bps | |
| Efficiency Ratio | 88.40% | 89.38% | 89.47% | 88.82% | 89.27% | 87.05% | 87.62% | 117.80% | +2,899 bps | |
| Non-Interest Burden | 2.85% | 2.94% | 3.16% | 3.22% | 3.33% | 3.46% | 3.49% | 5.23% | +201 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.33% | 13.30% | 6.96% | 3.34% | -0.02% | -4.42% | -0.48% | 0.58% | -276 bps | |
| Loan Growth (YoY) | 34.29% | 35.24% | 15.00% | 9.22% | 1.07% | -5.79% | 2.17% | 3.32% | -589 bps | |
| Deposit Growth (YoY) | 11.98% | 8.76% | 9.19% | 8.36% | 4.33% | -0.54% | -0.58% | 0.85% | -751 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 | -0.21% | 0.12% | 0.16% | 0.25% | 0.28% | 0.24% | -0.02% | 0.34% | +9 bps | |
| Allowance / Loans | 1.55% | 1.30% | 1.33% | 1.43% | 1.44% | 1.50% | 1.42% | 1.67% | +24 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 | 11.02% | 11.23% | 11.05% | 12.09% | 12.44% | 13.83% | 12.90% | 12.58% | +49 bps | |
| Equity / Assets | 8.55% | 8.51% | 8.35% | 9.31% | 9.55% | 10.48% | 9.87% | 10.00% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.45% | 92.89% | 92.34% | 92.39% | 91.49% | 87.99% | 94.88% | 94.66% | +227 bps | |
| Liquid Assets / Assets | 0.33% | 0.19% | 0.33% | 0.32% | 0.21% | 0.39% | 0.13% | 0.16% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |