Hampton, VA · Charter 66894
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Hampton, VA · Charter 66894
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.34% | -2.81% | -1.68% | -1.12% | -0.78% | -0.75% | -0.59% | -6.72% | -560 bps | |
| Return on Equity | -19.69% | -41.09% | -30.04% | -19.22% | -12.44% | -11.33% | -9.61% | -197.56% | -17,834 bps | |
| Net Interest Margin | 7.00% | 6.91% | 5.39% | 5.61% | 5.96% | 6.18% | 5.40% | 5.60% | -1 bps | |
| Efficiency Ratio | 106.20% | 123.81% | 120.09% | 107.97% | 106.90% | 108.46% | 106.87% | 150.94% | +4,297 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.26% | 6.70% | 5.34% | -0.37% | -2.27% | -6.84% | -13.80% | -15.35% | -1,498 bps | |
| Loan Growth (YoY) | -14.50% | -24.99% | -24.47% | -29.80% | -27.46% | -11.27% | -11.60% | -9.60% | +2,020 bps | |
| Share Growth (YoY) | 5.19% | 8.39% | 6.66% | 1.27% | -1.50% | -6.07% | -13.75% | -13.11% | -1,439 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.09% | 5.64% | 5.13% | 7.32% | 2.58% | 0.90% | 2.29% | 4.05% | -327 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 | 0.39% | 0.55% | 0.82% | 1.35% | 0.75% | 0.49% | 0.04% | 0.69% | -66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.81% | 6.83% | 5.59% | 5.81% | 6.27% | 6.59% | 6.12% | 3.40% | -241 bps | |
| Net Worth / Assets | 6.81% | 6.83% | 5.59% | 5.81% | 6.27% | 6.59% | 6.12% | 3.40% | -241 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.69% | 62.04% | 51.87% | 50.82% | 53.53% | 58.60% | 53.16% | 52.87% | +205 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |