Richmond, VA · Charter 66930
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.
Richmond, VA · Charter 66930
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 | 0.63% | -0.53% | -1.02% | 0.16% | -1.67% | -1.45% | -1.12% | -0.33% | -48 bps | |
| Return on Equity | 8.91% | -8.42% | -17.00% | 2.75% | -31.39% | -29.02% | -21.58% | -6.82% | -957 bps | |
| Net Interest Margin | 4.87% | 5.28% | 5.54% | 4.90% | 5.25% | 5.14% | 5.27% | 4.46% | -44 bps | |
| Efficiency Ratio | 90.90% | 89.14% | 95.95% | 85.12% | 90.49% | 90.58% | 91.11% | 97.79% | +1,267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | -6.64% | -8.37% | -8.25% | -13.85% | -6.64% | -4.72% | -5.10% | +316 bps | |
| Loan Growth (YoY) | -6.20% | -7.84% | -8.02% | -7.86% | -8.62% | -9.61% | -9.86% | -12.50% | -464 bps | |
| Share Growth (YoY) | 4.79% | -6.37% | -7.65% | -7.22% | -11.65% | -5.13% | -3.86% | -4.03% | +319 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.72% | 6.68% | 6.77% | 5.34% | 5.53% | 0.66% | 2.69% | 0.45% | -489 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 | 0.79% | 1.36% | 1.19% | 1.38% | 1.33% | 1.18% | 1.18% | 1.03% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.07% | 6.25% | 6.02% | 5.65% | 5.33% | 4.99% | 5.19% | 4.78% | -87 bps | |
| Net Worth / Assets | 7.07% | 6.25% | 6.02% | 5.65% | 5.33% | 4.99% | 5.19% | 4.78% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.38% | 80.31% | 84.11% | 75.90% | 81.07% | 76.52% | 78.86% | 69.21% | -670 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.85% | 0.00% | 0.00% | 0 bps | |