Lynchburg, VA · Charter 66923
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.08% | -0.23% | -0.23% | 0.05% | 0.18% | 0.27% | 0.48% | +70 bps | |
| Return on Equity | 1.87% | 0.89% | -2.68% | -2.65% | 0.61% | 1.93% | 2.73% | 4.77% | +743 bps | |
| Net Interest Margin | 4.10% | 3.89% | 3.52% | 3.53% | 3.88% | 4.20% | 4.42% | 4.57% | +104 bps | |
| Efficiency Ratio | 96.45% | 98.28% | 105.40% | 105.30% | 98.83% | 96.34% | 94.90% | 91.08% | -1,422 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.88% | 14.25% | 9.03% | 11.99% | 2.70% | -4.50% | -10.03% | -10.06% | -2,205 bps | |
| Loan Growth (YoY) | -7.64% | -4.39% | -2.57% | 3.65% | -2.94% | -5.69% | -1.09% | -2.98% | -662 bps | |
| Share Growth (YoY) | 6.21% | 15.70% | 10.05% | 13.40% | 3.06% | -5.18% | -11.36% | -11.54% | -2,493 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.18% | 0.00% | 0.43% | 0.42% | 0.40% | 0.36% | 0.36% | -7 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 | 2.52% | 2.40% | 1.99% | 1.90% | 1.61% | 1.67% | 1.66% | 1.65% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.09% | 8.84% | 8.51% | 8.51% | 8.85% | 9.44% | 9.78% | 10.02% | +151 bps | |
| Net Worth / Assets | 9.09% | 8.84% | 8.51% | 8.51% | 8.85% | 9.44% | 9.78% | 10.02% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.36% | 51.76% | 47.75% | 50.41% | 50.26% | 51.48% | 53.28% | 55.29% | +488 bps | |
| Liquid Assets / Assets | 40.49% | 50.76% | 53.83% | 51.57% | 51.33% | 51.21% | 48.84% | 47.36% | -421 bps | |