Roanoke, VA · Charter 62603
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Roanoke, VA · Charter 62603
Q4 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | -0.38% | -0.37% | -0.26% | -0.42% | -36 bps | |
| Return on Equity | -0.62% | -4.58% | -5.11% | -3.61% | -5.72% | -510 bps | |
| Net Interest Margin | 1.96% | 1.61% | 1.14% | 1.15% | 1.11% | -84 bps | |
| Efficiency Ratio | 79.19% | 114.86% | 126.77% | 118.58% | 134.50% | +5,531 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 33.11% | 16.45% | 24.00% | 24.34% | 17.23% | -1,588 bps | |
| Loan Growth (YoY) | -9.94% | -5.57% | -26.24% | 6.24% | 6.33% | +1,627 bps | |
| Share Growth (YoY) | 37.81% | 18.52% | 26.89% | 27.35% | 19.33% | -1,848 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.59% | 0.00% | 0.00% | 0.00% | 0.00% | -259 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.50% | 6.32% | 5.72% | 4.29% | 4.10% | -340 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.09% | 8.39% | 7.20% | 7.13% | 7.33% | -175 bps | |
| Net Worth / Assets | 9.09% | 8.39% | 7.20% | 7.13% | 7.33% | -175 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.91% | 37.74% | 28.26% | 37.57% | 41.80% | -511 bps | |
| Liquid Assets / Assets | 50.70% | 43.12% | 51.25% | 50.80% | 43.75% | -695 bps | |