Lynchburg, VA · Charter 66906
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.93% | 0.99% | 1.48% | 1.42% | 0.62% | 0.55% | 0.38% | -110 bps | |
| Return on Equity | 6.59% | 6.53% | 6.80% | 9.81% | 9.30% | 4.24% | 3.89% | 2.72% | -709 bps | |
| Net Interest Margin | 6.03% | 6.01% | 6.16% | 6.69% | 6.54% | 6.28% | 6.05% | 5.77% | -92 bps | |
| Efficiency Ratio | 73.14% | 72.71% | 72.03% | 67.28% | 73.51% | 77.75% | 81.45% | 93.54% | +2,626 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.43% | -1.14% | 0.51% | -0.63% | -1.45% | 2.18% | 5.75% | 11.03% | +1,166 bps | |
| Loan Growth (YoY) | 2.84% | 2.57% | 4.52% | 3.75% | -8.33% | -5.49% | -1.29% | -5.68% | -944 bps | |
| Share Growth (YoY) | -2.77% | -0.93% | -0.62% | -1.92% | -3.15% | 1.63% | 6.04% | 12.25% | +1,417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.18% | 4.40% | 5.25% | 4.19% | 7.50% | 5.27% | 6.02% | 6.67% | +247 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 | 3.63% | 3.93% | 4.34% | 4.67% | 4.68% | 3.56% | 3.51% | 4.00% | -67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.82% | 14.18% | 14.49% | 15.11% | 15.26% | 14.63% | 14.26% | 13.90% | -120 bps | |
| Net Worth / Assets | 13.82% | 14.18% | 14.49% | 15.11% | 15.26% | 14.63% | 14.26% | 13.90% | -120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.61% | 103.69% | 103.15% | 104.30% | 98.06% | 96.43% | 96.02% | 87.64% | -1,667 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |