Richmond, VA · Charter 66901
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 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.
Richmond, VA · Charter 66901
Q4 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.10% | 0.04% | -0.35% | -0.39% | -1.09% | -2.00% | -2.00% | -165 bps | |
| Return on Equity | 1.50% | 0.86% | 0.38% | -2.77% | -3.28% | -9.52% | -19.95% | -19.78% | -1,701 bps | |
| Net Interest Margin | 4.31% | 4.28% | 4.12% | 4.65% | 4.66% | 4.27% | 4.14% | 4.20% | -45 bps | |
| Efficiency Ratio | 85.49% | 90.37% | 92.12% | 91.66% | 85.12% | 97.53% | 94.10% | 100.76% | +910 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.16% | 16.29% | 12.91% | 5.03% | -4.86% | -2.92% | -3.39% | 3.84% | -119 bps | |
| Loan Growth (YoY) | 5.47% | 1.99% | 7.11% | 3.64% | -0.71% | -4.51% | -10.37% | -10.03% | -1,367 bps | |
| Share Growth (YoY) | 12.22% | 17.23% | 12.75% | 5.29% | -3.84% | -1.82% | -1.17% | 9.57% | +429 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 2.15% | 1.82% | 1.95% | 1.78% | 0.67% | 2.09% | 0.99% | -96 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 | 1.02% | 1.16% | 0.99% | 0.77% | 1.31% | 0.84% | 1.94% | 2.10% | +133 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.85% | 12.06% | 11.55% | 12.62% | 11.98% | 11.49% | 10.04% | 10.10% | -253 bps | |
| Net Worth / Assets | 11.85% | 12.06% | 11.55% | 12.62% | 11.98% | 11.49% | 10.04% | 10.10% | -253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.85% | 64.11% | 63.66% | 71.84% | 63.86% | 62.35% | 57.74% | 58.98% | -1,285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |