Richmond, VA · Charter 374
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Richmond, VA · Charter 374
Q2 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.99% | 3.69% | 3.33% | 2.60% | 0.08% | -1.93% | -0.68% | -0.22% | -283 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -2.48% | -0.72% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.88% | 4.32% | 4.41% | 4.20% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 97.98% | 97.46% | 92.31% | 105.26% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.87% | -8.95% | -10.78% | -7.92% | -10.81% | -11.00% | -8.32% | -19.61% | -1,169 bps | |
| Loan Growth (YoY) | -3.04% | -5.35% | 19.91% | 12.91% | -16.74% | -28.52% | -44.86% | -46.54% | -5,945 bps | |
| Share Growth (YoY) | -11.27% | -13.07% | -15.33% | -11.71% | -15.13% | -13.72% | -10.25% | -25.31% | -1,360 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.76% | 4.58% | 5.77% | 5.49% | 6.78% | 2.86% | 0.80% | -496 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.51% | 1.64% | 1.51% | 1.69% | 1.82% | 3.76% | 4.50% | 5.19% | +350 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 27.42% | 31.07% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 27.42% | 31.07% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.78% | 65.36% | 73.54% | 65.54% | 63.55% | 54.15% | 45.18% | 46.91% | -1,863 bps | |
| Liquid Assets / Assets | 46.58% | 43.81% | 43.95% | 50.68% | 0.00% | 0.00% | 68.39% | 68.94% | +1,826 bps | |