Norfolk, VA · Charter 62088
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | 1.28% | 1.75% | 1.58% | 1.36% | -2.27% | -2.86% | -2.29% | -387 bps | |
| Return on Equity | -3.12% | 10.91% | 13.79% | 12.15% | 9.38% | -17.81% | -21.53% | -15.69% | -2,785 bps | |
| Net Interest Margin | 6.13% | 6.20% | 5.89% | 5.94% | 6.39% | 5.27% | 5.37% | 5.86% | -8 bps | |
| Efficiency Ratio | 92.00% | 84.03% | 84.42% | 84.47% | 87.63% | 97.55% | 88.43% | 93.87% | +940 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.61% | -2.68% | -3.10% | -5.03% | -7.89% | -8.11% | -14.55% | -22.48% | -1,745 bps | |
| Loan Growth (YoY) | -5.96% | -10.94% | -13.09% | -10.96% | -19.73% | -20.98% | -22.63% | -26.13% | -1,518 bps | |
| Share Growth (YoY) | -13.79% | -3.00% | -4.02% | -6.30% | -10.39% | -9.11% | -15.27% | -23.95% | -1,765 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.80% | 0.79% | 0.55% | 0.41% | 1.26% | 2.17% | 1.66% | +111 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 | 1.42% | 1.56% | 1.19% | 0.81% | 0.70% | 0.86% | 2.02% | 1.13% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.13% | 11.77% | 12.68% | 13.01% | 14.53% | 12.73% | 13.30% | 14.56% | +155 bps | |
| Net Worth / Assets | 12.13% | 11.77% | 12.68% | 13.01% | 14.53% | 12.73% | 13.30% | 14.56% | +155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.93% | 89.50% | 92.67% | 90.62% | 93.98% | 77.81% | 84.62% | 88.02% | -260 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |