Yorktown, VA · Charter 60011
Q2 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.61% | 3.10% | 3.58% | 3.30% | 0.67% | 0.89% | 1.12% | 1.08% | -222 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 5.74% | 5.27% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.74% | 4.00% | 4.42% | 4.25% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 77.73% | 73.72% | 70.75% | 70.62% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | 3.67% | 2.95% | 2.95% | -3.52% | -8.64% | -9.38% | -13.82% | -1,676 bps | |
| Loan Growth (YoY) | -8.03% | -11.88% | -8.92% | -2.03% | -5.44% | -0.24% | -7.43% | -18.89% | -1,686 bps | |
| Share Growth (YoY) | -2.06% | 3.50% | 2.83% | 2.71% | -8.46% | -11.56% | -13.17% | -18.57% | -2,127 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.44% | 1.85% | 0.00% | 0.00% | 5.63% | 1.51% | 5.81% | 6.26% | +626 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.38% | 0.23% | 0.37% | 0.57% | 0.74% | 0.93% | 0.78% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 19.53% | 20.48% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 19.53% | 20.48% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.27% | 54.88% | 62.08% | 64.92% | 65.36% | 61.91% | 66.17% | 64.66% | -25 bps | |
| Liquid Assets / Assets | 44.27% | 47.52% | 44.42% | 43.39% | 44.30% | 46.10% | 46.24% | 47.44% | +405 bps | |