Louisa, VA · Cert 57770
FDIC
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.33% | -0.78% | -0.90% | -0.47% | 0.87% | 0.46% | 0.55% | -0.98% | -51 bps | |
| Return on Equity | -19.51% | -4.75% | -5.40% | -2.86% | 5.53% | 2.97% | 3.43% | -6.48% | -362 bps | |
| Net Interest Margin | 3.96% | 4.11% | 4.58% | 4.14% | 4.49% | 4.59% | 4.84% | 4.75% | +62 bps | |
| Efficiency Ratio | 163.71% | 111.33% | 112.15% | 110.49% | 85.00% | 91.04% | 84.47% | 114.22% | +372 bps | |
| Non-Interest Burden | 6.64% | 4.60% | 5.17% | 4.60% | 3.59% | 4.12% | 3.99% | 5.47% | +86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 66.55% | 60.24% | 33.88% | 30.10% | 28.58% | 5.97% | 6.88% | 17.29% | -1,281 bps | |
| Loan Growth (YoY) | 329% | 96.72% | 43.11% | 29.22% | 4.74% | 0.08% | 14.63% | 39.55% | +1,034 bps | |
| Deposit Growth (YoY) | 96.87% | 72.19% | 43.84% | 34.28% | 29.31% | 6.99% | 8.67% | 17.46% | -1,682 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.25% | 1.28% | 1.35% | 1.42% | 1.37% | 1.23% | 1.14% | -21 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 | 19.62% | 22.35% | 21.03% | 20.94% | 20.83% | 20.88% | 18.29% | 16.74% | -421 bps | |
| Equity / Assets | 15.83% | 16.94% | 16.43% | 16.48% | 15.16% | 16.06% | 15.83% | 14.34% | -213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.22% | 76.26% | 80.56% | 76.52% | 64.98% | 71.33% | 84.97% | 90.91% | +1,439 bps | |
| Liquid Assets / Assets | 0.02% | 4.91% | 5.18% | 3.49% | 11.02% | 8.24% | 0.00% | 0.00% | -349 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |