Richmond, VA · Cert 35160
FDIC
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.33% | 1.29% | 1.31% | 1.43% | 1.35% | 1.24% | 1.24% | -7 bps | |
| Return on Equity | 10.22% | 10.02% | 10.09% | 10.84% | 12.50% | 12.33% | 11.59% | 11.83% | +98 bps | |
| Net Interest Margin | 5.05% | 5.04% | 5.16% | 4.71% | 4.93% | 4.83% | 4.38% | 4.20% | -51 bps | |
| Efficiency Ratio | 60.10% | 61.21% | 58.83% | 61.08% | 55.03% | 54.75% | 58.75% | 55.04% | -604 bps | |
| Non-Interest Burden | 2.79% | 2.83% | 2.83% | 2.72% | 2.54% | 2.50% | 2.40% | 2.06% | -66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.27% | 10.98% | 23.30% | 27.58% | 32.06% | 38.59% | 31.10% | 31.02% | +344 bps | |
| Loan Growth (YoY) | 23.98% | 23.33% | 25.04% | 25.44% | 34.35% | 35.92% | 23.03% | 25.01% | -43 bps | |
| Deposit Growth (YoY) | 3.40% | 10.60% | 25.23% | 30.33% | 36.51% | 44.21% | 33.07% | 33.92% | +360 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 | 0.03% | 0.02% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.06% | +4 bps | |
| Allowance / Loans | 1.25% | 1.23% | 1.25% | 1.16% | 1.10% | 1.10% | 1.14% | 1.10% | -6 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 | 15.43% | 14.70% | 14.60% | 14.04% | 13.19% | 12.31% | 12.75% | 12.19% | -184 bps | |
| Equity / Assets | 13.11% | 13.44% | 12.19% | 11.93% | 11.06% | 10.88% | 10.57% | 10.41% | -152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.93% | 105.15% | 97.32% | 99.70% | 97.36% | 99.10% | 89.98% | 93.06% | -664 bps | |
| Liquid Assets / Assets | 3.96% | 1.06% | 4.44% | 2.14% | 1.73% | 1.24% | 3.42% | 3.27% | +114 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |