Manakin-Sabot, VA · Cert 57309
FDIC
Q2 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.45% | 2.50% | 1.06% | -1.03% | -0.66% | -0.44% | -1.13% | -3.25% | -222 bps | |
| Return on Equity | 21.91% | 22.33% | 9.70% | -8.28% | -5.21% | -3.44% | -9.14% | -22.74% | -1,446 bps | |
| Net Interest Margin | 5.13% | 4.82% | 5.11% | 4.94% | 4.80% | 4.51% | 3.87% | 3.63% | -130 bps | |
| Efficiency Ratio | 54.72% | 52.74% | 80.33% | 100.46% | 95.77% | 91.85% | 93.18% | 163.80% | +6,334 bps | |
| Non-Interest Burden | 2.63% | 2.37% | 4.04% | 5.09% | 4.57% | 4.10% | 3.57% | 6.19% | +110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.86% | 37.76% | 28.46% | 192.17% | 167.47% | 167.95% | 177.57% | 42.63% | -14,954 bps | |
| Loan Growth (YoY) | 30.62% | 33.07% | 43.72% | 178.07% | 192.24% | 189.02% | 203% | 44.05% | -13,402 bps | |
| Deposit Growth (YoY) | 33.52% | 36.49% | 29.79% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.61% | 0.38% | 0.35% | 0.40% | 0.79% | +17 bps | |
| Allowance / Loans | 1.25% | 1.25% | 1.20% | 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 | 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 | 13.41% | 13.07% | 12.65% | 16.18% | 15.61% | 14.78% | 13.30% | 9.18% | -700 bps | |
| Equity / Assets | 11.00% | 11.10% | 10.75% | 13.70% | 13.26% | 12.62% | 12.18% | 17.33% | +364 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.07% | 91.68% | 92.66% | 95.11% | 98.29% | 100.92% | 102.73% | 105.19% | +1,008 bps | |
| Liquid Assets / Assets | 7.22% | 13.75% | 0.02% | 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 | n/a | n/a | n/a |