Smithfield, VA · Charter 66921
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.79% | 3.19% | 1.22% | 0.90% | 1.13% | 0.77% | 3.01% | -0.90% | -180 bps | |
| Return on Equity | 11.30% | 9.07% | 3.61% | 2.71% | 3.41% | 2.28% | 8.73% | -2.92% | -563 bps | |
| Net Interest Margin | 7.90% | 8.20% | 6.55% | 6.93% | 6.82% | 6.97% | 9.85% | 5.61% | -133 bps | |
| Efficiency Ratio | 73.23% | 78.32% | 90.39% | 93.62% | 91.79% | 94.50% | 81.37% | 107.23% | +1,361 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 79.87% | -3.44% | -7.09% | -3.04% | -1.64% | -0.24% | -2.73% | -14.55% | -1,150 bps | |
| Loan Growth (YoY) | 135.37% | -15.72% | -13.59% | -16.06% | -20.22% | -14.22% | -18.14% | -50.44% | -3,438 bps | |
| Share Growth (YoY) | 56.53% | -1.77% | -6.03% | -7.22% | -6.70% | 0.65% | -5.01% | -11.82% | -460 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.15% | 14.45% | 14.96% | 18.66% | 21.59% | 24.92% | 25.82% | 10.80% | -785 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 | 13.44% | 8.57% | 9.24% | 9.32% | 10.12% | 10.72% | 9.62% | 7.21% | -210 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.49% | 35.21% | 33.79% | 33.20% | 33.26% | 33.87% | 34.52% | 30.64% | -256 bps | |
| Net Worth / Assets | 33.49% | 35.21% | 33.79% | 33.20% | 33.26% | 33.87% | 34.52% | 30.64% | -256 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.90% | 84.00% | 77.18% | 77.27% | 70.02% | 71.60% | 66.52% | 43.43% | -3,384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |