Manakin-Sabot, VA · Cert 57309
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.39% | -0.17% | 0.04% | -1.13% | -5.18% | -280 bps | |
| Return on Equity | -18.61% | -1.26% | 0.31% | -9.14% | -34.51% | -1,591 bps | |
| Net Interest Margin | 7.72% | 5.03% | 4.45% | 3.87% | 3.69% | -404 bps | |
| Efficiency Ratio | 105.80% | 86.95% | 79.91% | 93.18% | 233% | +12,745 bps | |
| Non-Interest Burden | 8.48% | 4.06% | 3.46% | 3.57% | 9.08% | +60 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.22% | 0.00% | 0.35% | 0.40% | 1.22% | -1 bps | |
| Allowance / Loans | 1.17% | 1.41% | 1.48% | 1.64% | 1.06% | -10 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 16.18% | 15.61% | 14.78% | 13.30% | 9.18% | -700 bps | |
| Equity / Assets | 13.70% | 13.26% | 12.62% | 12.18% | 17.33% | +364 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.11% | 98.29% | 100.92% | 102.73% | 105.19% | +1,008 bps | |
| Liquid Assets / Assets | 5.33% | 2.87% | 2.73% | 0.00% | 0.00% | -533 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |