Covington, VA · Charter 66917
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.77% | 1.81% | 1.30% | -2.02% | -0.20% | -2.25% | 0.79% | 0.81% | +283 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -16.78% | 5.26% | 5.40% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.75% | 7.60% | 5.82% | 9.37% | 9.39% | +364 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 134.02% | 102.53% | 136.22% | 91.67% | 91.46% | -4,256 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | -5.89% | -23.82% | -32.24% | -35.34% | -32.65% | -21.49% | -14.08% | +1,816 bps | |
| Loan Growth (YoY) | -34.90% | -42.33% | -32.97% | -37.24% | -35.17% | 5.24% | 15.17% | 43.82% | +8,106 bps | |
| Share Growth (YoY) | 3.71% | -7.85% | -26.60% | -34.53% | -37.52% | -33.70% | -21.08% | -14.80% | +1,973 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.65% | 1.35% | 2.48% | 0.20% | 0.53% | 0.45% | 0.45% | -203 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 | 5.29% | 6.17% | 6.12% | 7.64% | 8.15% | 5.86% | 5.32% | 5.32% | -233 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 13.42% | 14.97% | 14.97% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 13.42% | 14.97% | 14.97% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.52% | 55.94% | 72.33% | 62.53% | 59.68% | 88.80% | 105.55% | 105.55% | +4,302 bps | |
| Liquid Assets / Assets | 16.02% | 45.98% | 26.89% | 30.38% | 32.34% | 24.85% | 10.71% | 10.71% | -1,967 bps | |