Norfolk, VA · Charter 5332
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Norfolk, VA · Charter 5332
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | -2.22% | -0.81% | 5.26% | -5.10% | -6.40% | -6.23% | -0.21% | -547 bps | |
| Return on Equity | 13.76% | -25.82% | -8.02% | 50.21% | -86.62% | -175.54% | -139.45% | -4.49% | -5,470 bps | |
| Net Interest Margin | 4.27% | 3.65% | 4.15% | 4.53% | 6.84% | 6.56% | 7.84% | 7.69% | +316 bps | |
| Efficiency Ratio | 79.79% | 150.41% | 117.30% | 42.48% | 172.13% | 193.46% | 175.85% | 102.53% | +6,006 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.65% | -15.38% | -12.81% | -11.90% | -11.42% | -5.75% | -26.78% | -31.41% | -1,951 bps | |
| Loan Growth (YoY) | -14.65% | -19.19% | -10.39% | 14.20% | 3.89% | 7.18% | 4.91% | -30.19% | -4,439 bps | |
| Share Growth (YoY) | -6.09% | -13.80% | -11.03% | -10.95% | -11.76% | -2.88% | -23.99% | -28.81% | -1,786 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.27% | 20.16% | 27.95% | 18.58% | 8.10% | 24.75% | 32.08% | 0.01% | -1,857 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 | 10.53% | 12.32% | 12.98% | 10.45% | 11.65% | 11.50% | 12.37% | 11.11% | +66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.36% | 8.60% | 10.10% | 10.47% | 5.89% | 3.65% | 4.47% | 4.75% | -572 bps | |
| Net Worth / Assets | 6.36% | 8.60% | 10.10% | 10.47% | 5.89% | 3.65% | 4.47% | 4.75% | -572 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.33% | 43.77% | 40.38% | 50.59% | 47.49% | 48.31% | 55.74% | 49.61% | -98 bps | |
| Liquid Assets / Assets | 65.16% | 58.74% | 61.05% | 52.16% | 0.00% | 0.00% | 0.00% | 0.00% | -5,216 bps | |