Richmond, VA · Charter 66918
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.11% | 0.33% | 0.55% | 0.88% | 0.74% | 0.39% | 0.52% | -3 bps | |
| Return on Equity | 8.06% | 8.60% | 2.75% | 4.39% | 6.39% | 5.17% | 2.88% | 3.73% | -66 bps | |
| Net Interest Margin | 4.51% | 4.76% | 4.45% | 4.47% | 4.94% | 4.79% | 4.17% | 4.24% | -22 bps | |
| Efficiency Ratio | 76.39% | 77.81% | 81.14% | 80.47% | 78.91% | 82.10% | 92.89% | 89.19% | +872 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.31% | -5.02% | -9.18% | -6.99% | -8.44% | -4.62% | -5.71% | -4.64% | +234 bps | |
| Loan Growth (YoY) | -6.13% | -5.09% | -1.80% | -1.34% | 1.07% | 1.54% | -0.51% | 4.11% | +546 bps | |
| Share Growth (YoY) | -1.03% | -6.75% | -11.11% | -8.55% | -10.46% | -6.11% | -7.23% | -6.02% | +254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 1.96% | 1.57% | 1.97% | 1.72% | 1.98% | 1.20% | 1.16% | -81 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 | 0.72% | 0.72% | 0.81% | 0.83% | 0.87% | 0.73% | 0.81% | 0.81% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.75% | 12.88% | 12.14% | 12.50% | 13.72% | 14.31% | 13.64% | 13.90% | +140 bps | |
| Net Worth / Assets | 11.75% | 12.88% | 12.14% | 12.50% | 13.72% | 14.31% | 13.64% | 13.90% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.83% | 63.30% | 58.02% | 60.45% | 67.53% | 68.45% | 62.22% | 66.96% | +651 bps | |
| Liquid Assets / Assets | 30.28% | 29.53% | 36.83% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |