Hampton, VA · Charter 66905
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.10% | 0.01% | 0.22% | -1.07% | -0.62% | -0.39% | -0.57% | -78 bps | |
| Return on Equity | 2.18% | 0.78% | 0.10% | 1.70% | -8.52% | -4.87% | -3.11% | -4.32% | -602 bps | |
| Net Interest Margin | 3.92% | 4.18% | 4.13% | 4.39% | 5.13% | 5.33% | 5.32% | 5.70% | +131 bps | |
| Efficiency Ratio | 91.68% | 93.60% | 94.27% | 92.31% | 92.34% | 89.53% | 88.63% | 88.30% | -401 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.61% | -4.86% | 2.22% | -0.22% | -1.39% | 0.51% | -3.71% | -7.74% | -751 bps | |
| Loan Growth (YoY) | 12.82% | 31.10% | 35.55% | 37.48% | 37.83% | 22.50% | 15.30% | 14.84% | -2,264 bps | |
| Share Growth (YoY) | -3.24% | -5.71% | 2.48% | -0.33% | -1.10% | 1.10% | -8.96% | -9.09% | -876 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 1.85% | 1.56% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.35% | 0.40% | 0.38% | 0.62% | 0.65% | 0.76% | 0.47% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.49% | 12.95% | 12.28% | 12.64% | 12.53% | 12.75% | 12.66% | 13.12% | +48 bps | |
| Net Worth / Assets | 12.49% | 12.95% | 12.28% | 12.64% | 12.53% | 12.75% | 12.66% | 13.12% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.97% | 51.69% | 53.33% | 57.13% | 58.50% | 62.64% | 67.55% | 72.17% | +1,504 bps | |
| Liquid Assets / Assets | 31.07% | 25.45% | 26.25% | 26.59% | 27.39% | 0.00% | 0.00% | 0.00% | -2,659 bps | |