Lexington, VA · Cert 58501
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 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|
| Earnings | ||||
| Return on Assets | -0.97% | -10.34% | n/a | |
| Return on Equity | n/a | -13.21% | n/a | n/a |
| Net Interest Margin | 0.28% | 5.27% | n/a | |
| Efficiency Ratio | 438% | 203% | n/a | |
| Non-Interest Burden | 1.23% | 13.11% | n/a | |
| Growth | ||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a |
| Asset Quality | ||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | n/a | |
| Allowance / Loans | 1.36% | 1.12% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a |
| Capital | ||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 362% | 121.90% | n/a | |
| Equity / Assets | 89.27% | 69.36% | n/a | |
| Liquidity & Funding | ||||
| Loans / Deposits | 39.63% | 152.29% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a |