Louisa, VA · Cert 57770
FDIC
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.34% | -1.75% | -1.52% | -0.47% | 0.21% | 0.30% | 0.36% | -0.98% | -51 bps | |
| Return on Equity | -13.15% | -9.99% | -8.81% | -2.86% | 1.34% | 1.89% | 2.28% | -6.48% | -362 bps | |
| Net Interest Margin | 3.61% | 3.50% | 3.63% | 4.14% | 4.27% | 4.29% | 4.40% | 4.75% | +62 bps | |
| Efficiency Ratio | 148.10% | 133.85% | 127.04% | 110.49% | 95.81% | 94.17% | 91.58% | 114.22% | +372 bps | |
| Non-Interest Burden | 5.46% | 4.76% | 4.67% | 4.60% | 4.05% | 4.00% | 3.96% | 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 |