PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Rockbridge

Lexington, VA · Cert 58501

FDIC

Q1 2007

$11.0MAssets
$5.1MLoans
$3.4MDeposits
$7.7MEquity
Loan mix
68%RE $823K31%C&I $368K1%Consumer $15KQ4 2006Q1 2007
Deposit mix
81%Interest-bearing $2.7M19%Noninterest $0.6MQ4 2006Q1 2007

NIM

0.28%Q4 ’066.04%Q1 ’07+1781%

Non-interest income vs. expense

1.23%Q4 ’0615.47%Q1 ’07+969%

Executive Summary

  • Earnings: ROA of -10.34%; NIM at 5.27%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Funding: loans stand at 152.29% of deposits as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-10.34%

Net Interest Margin (YTD, annualized)

5.27%

Efficiency Ratio (YTD, annualized)

203%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets-0.97%-10.34%n/a
Return on Equityn/a-13.21%n/an/a
Net Interest Margin0.28%5.27%n/a
Efficiency Ratio438%203%n/a
Non-Interest Burden1.23%13.11%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Deposit Growth (YoY)n/an/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%n/a
Net Charge-Offs / Loans0.00%0.00%n/a
Allowance / Loans1.36%1.12%n/a
Allowance Coverage of NPLsn/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a
Total Risk-Based Capital362%121.90%n/a
Equity / Assets89.27%69.36%n/a
Liquidity & Funding
Loans / Deposits39.63%152.29%n/a
Liquid Assets / Assets0.00%0.00%n/a
CRE / Total Capitaln/an/an/an/a