Martinsville, VA · Charter 66925
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.75% | -0.62% | -0.70% | 0.56% | 0.37% | -0.90% | -0.64% | -3.30% | -387 bps | |
| Return on Equity | -8.00% | -6.35% | -7.31% | 6.67% | 4.69% | -12.50% | -7.81% | -32.66% | -3,933 bps | |
| Net Interest Margin | 3.27% | 3.66% | 3.79% | 4.31% | 4.37% | 4.35% | 4.79% | 5.60% | +129 bps | |
| Efficiency Ratio | 122.93% | 116.96% | 118.37% | 87.03% | 91.47% | 90.58% | 90.35% | 159.04% | +7,201 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.24% | -7.02% | -5.61% | 10.89% | 17.02% | 20.93% | 7.46% | -29.89% | -4,078 bps | |
| Loan Growth (YoY) | 24.53% | 30.07% | 52.26% | 26.73% | 37.24% | 23.46% | -7.97% | -29.24% | -5,597 bps | |
| Share Growth (YoY) | -1.39% | -7.11% | -5.48% | 12.53% | 18.86% | 24.37% | 9.01% | -31.20% | -4,372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.66% | 16.15% | 10.99% | 10.29% | 9.98% | 25.32% | 13.76% | 3.87% | -642 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 | 1.01% | 0.94% | 0.84% | 0.81% | 0.73% | 0.72% | 0.86% | 1.08% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.39% | 9.80% | 9.54% | 8.41% | 7.97% | 7.23% | 8.24% | 10.12% | +171 bps | |
| Net Worth / Assets | 9.39% | 9.80% | 9.54% | 8.41% | 7.97% | 7.23% | 8.24% | 10.12% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.63% | 59.66% | 66.45% | 59.17% | 60.77% | 59.22% | 56.11% | 60.86% | +168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |