Martinsville,, VA · Charter 66891
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.08% | -1.41% | -1.22% | -1.06% | -2.86% | -0.84% | -1.30% | -1.45% | -39 bps | |
| Return on Equity | -9.05% | -12.35% | -10.01% | -8.13% | -22.80% | -6.94% | -11.14% | -12.75% | -461 bps | |
| Net Interest Margin | 2.83% | 1.78% | 2.51% | 2.79% | 2.84% | 3.48% | 2.99% | 2.67% | -11 bps | |
| Efficiency Ratio | 138.17% | 179.29% | 148.69% | 138.03% | 152.77% | 123.87% | 143.32% | 154.05% | +1,602 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.51% | -1.20% | -10.22% | -16.49% | -22.40% | -21.62% | -15.38% | -9.63% | +686 bps | |
| Loan Growth (YoY) | -19.52% | -25.09% | -23.62% | -25.51% | -32.13% | -21.58% | -32.70% | -23.67% | +184 bps | |
| Share Growth (YoY) | -1.69% | -0.10% | -10.15% | -17.39% | -22.92% | -22.16% | -14.88% | -7.90% | +949 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 24.04% | 16.99% | 27.66% | 33.26% | 38.39% | 0.00% | 10.95% | 22.01% | -1,125 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 | 6.11% | 5.67% | 5.81% | 6.28% | 11.74% | 1.66% | 1.98% | 1.89% | -439 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.93% | 11.45% | 12.21% | 13.03% | 12.52% | 12.06% | 11.69% | 11.37% | -166 bps | |
| Net Worth / Assets | 11.93% | 11.45% | 12.21% | 13.03% | 12.52% | 12.06% | 11.69% | 11.37% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.10% | 30.57% | 32.65% | 32.88% | 32.67% | 30.79% | 25.82% | 27.25% | -563 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |