Hampton, VA · Charter 66905
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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 66905
Q4 2006
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | -1.07% | -0.62% | -0.39% | -0.57% | -78 bps | |
| Return on Equity | 1.70% | -8.52% | -4.87% | -3.11% | -4.32% | -602 bps | |
| Net Interest Margin | 4.39% | 5.13% | 5.33% | 5.32% | 5.70% | +131 bps | |
| Efficiency Ratio | 92.31% | 92.34% | 89.53% | 88.63% | 88.30% | -401 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.22% | -1.39% | 0.51% | -3.71% | -7.74% | -751 bps | |
| Loan Growth (YoY) | 37.48% | 37.83% | 22.50% | 15.30% | 14.84% | -2,264 bps | |
| Share Growth (YoY) | -0.33% | -1.10% | 1.10% | -8.96% | -9.09% | -876 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.07% | 2.64% | 2.35% | 2.59% | 1.22% | -186 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.62% | 0.65% | 0.76% | 0.47% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.64% | 12.53% | 12.75% | 12.66% | 13.12% | +48 bps | |
| Net Worth / Assets | 12.64% | 12.53% | 12.75% | 12.66% | 13.12% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.13% | 58.50% | 62.64% | 67.55% | 72.17% | +1,504 bps | |
| Liquid Assets / Assets | 26.59% | 27.39% | 0.00% | 0.00% | 0.00% | -2,659 bps | |