Chesapeake, VA · Charter 66916
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.19% | -1.93% | -1.44% | -2.96% | -2.50% | -2.65% | -6.20% | -21.40% | -1,844 bps | |
| Return on Equity | -18.13% | -16.44% | -13.43% | -29.57% | -26.05% | -27.77% | -72.95% | n/a | n/a | |
| Net Interest Margin | 4.42% | 4.37% | 3.84% | 4.03% | 4.03% | 4.36% | 4.75% | 5.01% | +99 bps | |
| Efficiency Ratio | 120.38% | 120.51% | 129.43% | 126.86% | 127.72% | 126.07% | 105.84% | 330% | +20,331 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.38% | 8.94% | 4.69% | -0.29% | 2.92% | -3.63% | -13.45% | -16.02% | -1,574 bps | |
| Loan Growth (YoY) | 4.47% | 3.74% | -2.48% | 12.25% | 2.91% | 6.16% | 3.44% | -10.65% | -2,290 bps | |
| Share Growth (YoY) | 7.46% | 13.02% | 7.89% | 2.59% | 5.87% | -1.21% | -11.23% | -13.25% | -1,584 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 1.02% | 1.03% | 1.54% | 1.48% | 1.05% | 0.71% | 0.00% | -154 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 | 0.25% | 0.26% | 0.27% | 0.53% | 0.53% | 0.28% | 2.00% | 3.08% | +255 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.10% | 11.74% | 10.75% | 10.00% | 9.60% | 9.54% | 8.50% | 0.00% | -1,000 bps | |
| Net Worth / Assets | 12.10% | 11.74% | 10.75% | 10.00% | 9.60% | 9.54% | 8.50% | 0.00% | -1,000 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.33% | 90.58% | 80.58% | 91.22% | 91.69% | 97.34% | 93.90% | 93.96% | +273 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |