Lynchburg, VA · Charter 66914
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 0.02% | 1.27% | 1.20% | 1.10% | 0.02% | 0.72% | 0.64% | -55 bps | |
| Return on Equity | 9.47% | 0.10% | 7.56% | 7.06% | 6.43% | 0.13% | 4.20% | 3.63% | -344 bps | |
| Net Interest Margin | 3.37% | 1.68% | 3.08% | 2.95% | 2.79% | 1.65% | 2.63% | 2.51% | -44 bps | |
| Efficiency Ratio | 50.47% | 99.07% | 58.80% | 59.44% | 60.37% | 98.75% | 72.72% | 74.37% | +1,493 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.60% | 1.96% | 0.21% | 0.55% | 0.43% | 1.08% | -2.65% | -6.02% | -657 bps | |
| Loan Growth (YoY) | 2.67% | 8.43% | -15.20% | -5.33% | -11.26% | -27.37% | -23.69% | -16.50% | -1,117 bps | |
| Share Growth (YoY) | 6.24% | 2.64% | 3.91% | 0.81% | 1.02% | 2.08% | -3.03% | -6.92% | -773 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.21% | 6.92% | 8.58% | 7.18% | 6.61% | 12.95% | 5.84% | 0.00% | -718 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 | 8.66% | 8.14% | 10.37% | 10.59% | 9.75% | 11.21% | 13.58% | 12.68% | +209 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.65% | 16.34% | 16.78% | 16.95% | 17.17% | 16.18% | 17.11% | 17.74% | +79 bps | |
| Net Worth / Assets | 17.65% | 16.34% | 16.78% | 16.95% | 17.17% | 16.18% | 17.11% | 17.74% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.30% | 23.71% | 18.49% | 18.01% | 19.59% | 16.87% | 14.55% | 16.16% | -185 bps | |
| Liquid Assets / Assets | 81.27% | 80.36% | 83.89% | 84.47% | 83.38% | 85.80% | 87.17% | 86.08% | +161 bps | |