Charlottesville, VA · Cert 34947
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.11% | 0.10% | -0.04% | 0.15% | 0.60% | 0.25% | -2.35% | -232 bps | |
| Return on Equity | 1.82% | 1.25% | 1.20% | -0.41% | 1.58% | 6.05% | 2.48% | -23.69% | -2,328 bps | |
| Net Interest Margin | 3.60% | 3.60% | 3.58% | 3.83% | 3.95% | 4.34% | 4.03% | 4.80% | +97 bps | |
| Efficiency Ratio | 75.99% | 92.30% | 89.47% | 88.23% | 90.12% | 80.97% | 87.62% | 142.68% | +5,446 bps | |
| Non-Interest Burden | 2.47% | 3.29% | 3.16% | 3.32% | 3.52% | 3.42% | 3.49% | 7.00% | +368 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 | 0.30% | 1.11% | 0.16% | 0.34% | 0.34% | 0.08% | -0.02% | 0.69% | +35 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 |