Lynchburg, VA · Cert 35277
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.64% | 0.94% | 0.42% | 0.69% | 0.58% | 0.87% | -5.27% | -569 bps | |
| Return on Equity | 2.07% | 7.21% | 10.52% | 4.79% | 7.98% | 6.51% | 9.64% | -61.07% | -6,586 bps | |
| Net Interest Margin | 3.70% | 3.77% | 3.77% | 3.76% | 3.76% | 3.77% | 3.89% | 3.93% | +17 bps | |
| Efficiency Ratio | 72.84% | 71.83% | 67.17% | 79.06% | 70.88% | 73.77% | 64.23% | 259% | +18,007 bps | |
| Non-Interest Burden | 2.62% | 2.63% | 2.43% | 2.88% | 2.53% | 2.65% | 2.33% | 10.57% | +769 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.33% | -9.59% | -2.16% | 5.18% | 8.14% | 6.06% | 4.72% | -2.34% | -753 bps | |
| Loan Growth (YoY) | -6.28% | -10.48% | -4.45% | 1.95% | 4.94% | 6.06% | 7.59% | 2.24% | +29 bps | |
| Deposit Growth (YoY) | -10.17% | -10.86% | -3.01% | 5.12% | 8.22% | 6.03% | 0.29% | -2.13% | -726 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 | 0.16% | 0.06% | -0.04% | 0.65% | 0.03% | 0.16% | 0.37% | 0.90% | +25 bps | |
| Allowance / Loans | 1.04% | 1.09% | 1.08% | 0.94% | 0.98% | 1.03% | 1.00% | 1.16% | +22 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 | 11.32% | 11.68% | 11.73% | 11.09% | 11.19% | 11.39% | 11.47% | 9.91% | -118 bps | |
| Equity / Assets | 8.73% | 8.90% | 8.92% | 8.70% | 8.71% | 8.99% | 9.11% | 8.12% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.50% | 93.62% | 91.93% | 92.73% | 92.60% | 93.63% | 98.62% | 96.88% | +415 bps | |
| Liquid Assets / Assets | 0.05% | 0.05% | 0.14% | 0.14% | 0.15% | 0.15% | 0.16% | 0.16% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |