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Bank of Goochland, National Association

Manakin-Sabot, VA · Cert 57309

FDIC

Q2 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2008, the quarter ended June 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Goochland, National Association

Manakin-Sabot, VA · Cert 57309

FDIC

Q2 2008

$305.5MAssets
$252.2MLoans
$239.7MDeposits
$53.0MEquity
Loan mix
77%RE $155.1M22%C&I $45.0M0%Consumer $0.1MQ2 2007Q2 2008
Deposit mix
88%Interest-bearing $211.2M12%Noninterest $28.6MQ2 2007Q2 2008

NIM

7.50%Q2 ’067.83%Q2 ’076.58%Q2 ’08-9%-26%

Non-interest income vs. expense

3.33%Q2 ’065.63%Q2 ’076.57%Q2 ’08+75%+22%

Executive Summary

  • Earnings: ROA of -3.25%, down 222 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.79%.
  • Funding: loans stand at 105.19% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

-3.25%-222 bps YoY

Net Interest Margin (YTD, annualized)

3.63%-130 bps YoY

Efficiency Ratio (YTD, annualized)

163.80%+6,334 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets-1.03%-0.66%-0.44%-1.13%-3.25%-222 bps
Return on Equity-8.28%-5.21%-3.44%-9.14%-22.74%-1,446 bps
Net Interest Margin4.94%4.80%4.51%3.87%3.63%-130 bps
Efficiency Ratio100.46%95.77%91.85%93.18%163.80%+6,334 bps
Non-Interest Burden5.09%4.57%4.10%3.57%6.19%+110 bps
Growth
Asset Growth (YoY)192.17%167.47%167.95%177.57%42.63%-14,954 bps
Loan Growth (YoY)178.07%192.24%189.02%203%44.05%-13,402 bps
Deposit Growth (YoY)185.62%161.86%162.56%172.89%30.24%-15,538 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.61%0.38%0.35%0.40%0.79%+17 bps
Allowance / Loans1.17%1.41%1.48%1.64%1.06%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.18%15.61%14.78%13.30%9.18%-700 bps
Equity / Assets13.70%13.26%12.62%12.18%17.33%+364 bps
Liquidity & Funding
Loans / Deposits95.11%98.29%100.92%102.73%105.19%+1,008 bps
Liquid Assets / Assets5.33%2.87%2.73%0.00%0.00%-533 bps
CRE / Total Capitaln/an/an/an/an/an/an/a