Richmond, VA · Cert 57364
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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 · Cert 57364
FDIC
Q1 2012
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.25% | 0.32% | 0.62% | 0.69% | 0.70% | 0.72% | 0.64% | +2 bps | |
| Return on Equity | 0.91% | 2.00% | 2.56% | 4.80% | 5.38% | 5.42% | 5.50% | 4.58% | -22 bps | |
| Net Interest Margin | 3.01% | 2.96% | 2.95% | 3.03% | 3.10% | 3.06% | 3.07% | 2.89% | -14 bps | |
| Efficiency Ratio | 49.23% | 49.61% | 51.03% | 52.89% | 52.26% | 53.44% | 53.43% | 63.97% | +1,108 bps | |
| Non-Interest Burden | 1.40% | 1.38% | 1.42% | 1.56% | 1.55% | 1.56% | 1.56% | 1.79% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.75% | 7.81% | 2.60% | 0.82% | 1.77% | -0.77% | -1.00% | -4.77% | -559 bps | |
| Loan Growth (YoY) | 0.52% | -0.16% | -2.97% | -3.21% | -4.14% | -6.57% | -7.28% | -5.30% | -209 bps | |
| Deposit Growth (YoY) | 10.31% | 8.84% | 2.35% | 0.29% | 1.00% | -1.52% | -0.58% | -4.79% | -508 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 | 0.54% | 0.84% | 0.78% | 0.73% | 0.37% | 0.36% | 0.72% | 0.00% | -73 bps | |
| Allowance / Loans | 1.93% | 1.87% | 2.02% | 2.05% | 2.24% | 2.40% | 2.13% | 2.16% | +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 | 18.32% | 19.00% | 19.36% | 19.53% | 20.03% | 21.23% | 22.05% | 22.59% | +306 bps | |
| Equity / Assets | 12.61% | 12.39% | 12.83% | 12.90% | 12.99% | 13.11% | 13.68% | 14.29% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.88% | 79.91% | 80.71% | 79.86% | 78.67% | 75.82% | 75.28% | 79.44% | -42 bps | |
| Liquid Assets / Assets | 15.11% | 22.42% | 19.79% | 15.74% | 19.68% | 24.92% | 28.05% | 27.59% | +1,185 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |