Richmond, VA · Charter 66931
Q4 2003
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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.30% | 0.44% | 0.52% | 0.97% | 0.66% | 0.54% | 0.56% | +4 bps | |
| Return on Equity | 3.10% | 2.63% | 3.73% | 4.48% | 8.11% | 5.53% | 4.56% | 4.64% | +16 bps | |
| Net Interest Margin | 3.42% | 3.85% | 3.93% | 3.85% | 3.93% | 3.78% | 3.62% | 3.65% | -20 bps | |
| Efficiency Ratio | 73.72% | 76.00% | 73.63% | 73.01% | 71.37% | 73.41% | 74.22% | 73.80% | +78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.42% | 11.08% | 12.40% | 10.67% | 3.99% | 3.48% | 4.49% | 0.99% | -968 bps | |
| Loan Growth (YoY) | 12.17% | 7.29% | 1.19% | 1.00% | -2.61% | -6.61% | -6.33% | -8.21% | -921 bps | |
| Share Growth (YoY) | 5.64% | 12.53% | 14.64% | 12.11% | 4.58% | 2.94% | 3.97% | 0.59% | -1,153 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.62% | 2.22% | 2.92% | 3.71% | 3.07% | 2.87% | 3.47% | 3.18% | -53 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 | 1.30% | 1.41% | 1.43% | 1.40% | 1.33% | 1.42% | 1.42% | 1.39% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.64% | 11.58% | 11.69% | 11.53% | 11.98% | 11.90% | 11.83% | 11.98% | +44 bps | |
| Net Worth / Assets | 11.64% | 11.58% | 11.69% | 11.53% | 11.98% | 11.90% | 11.83% | 11.98% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.13% | 83.33% | 81.18% | 78.74% | 80.21% | 75.59% | 73.15% | 71.85% | -688 bps | |
| Liquid Assets / Assets | 12.86% | 15.39% | 16.40% | 15.61% | 11.76% | 15.63% | 19.56% | 24.64% | +904 bps | |