Chesapeake, VA · Charter 66919
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chesapeake, VA · Charter 66919
Q1 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.65% | -0.77% | -0.81% | -2.58% | -2.71% | -3.31% | -3.17% | -6.12% | -354 bps | |
| Return on Equity | -8.52% | -10.25% | -10.74% | -38.76% | -39.11% | -55.49% | -55.10% | n/a | n/a | |
| Net Interest Margin | 4.05% | 4.18% | 4.23% | 3.68% | 4.05% | 3.98% | 4.08% | 1.26% | -243 bps | |
| Efficiency Ratio | 112.28% | 121.18% | 122.16% | 137.33% | 134.23% | 135.18% | 128.95% | 468% | +33,080 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.50% | -0.38% | 2.75% | -0.64% | -13.09% | -13.24% | -14.15% | -19.40% | -1,877 bps | |
| Loan Growth (YoY) | 9.95% | 18.02% | 19.04% | 13.61% | -4.59% | -10.12% | -15.74% | -14.45% | -2,806 bps | |
| Share Growth (YoY) | 4.42% | -4.21% | 3.84% | 0.44% | -12.35% | -11.88% | -12.59% | -13.67% | -1,412 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.77% | 0.52% | 2.75% | 2.10% | 1.32% | 1.16% | 2.32% | 2.35% | +25 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 | 1.15% | 0.41% | 0.14% | 0.65% | 0.28% | 1.62% | 2.06% | 3.07% | +242 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.66% | 7.54% | 7.58% | 6.66% | 6.94% | 5.97% | 5.75% | -0.18% | -684 bps | |
| Net Worth / Assets | 7.66% | 7.54% | 7.58% | 6.66% | 6.94% | 5.97% | 5.75% | -0.18% | -684 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.36% | 44.83% | 46.80% | 42.83% | 45.02% | 45.72% | 45.12% | 42.44% | -39 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |