Danville, VA · Charter 66939
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Danville, VA · Charter 66939
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | -0.41% | -0.23% | -2.03% | -0.81% | -14.08% | -10.95% | -57.23% | -5,520 bps | |
| Return on Equity | 2.21% | -2.10% | -1.11% | -9.62% | -3.69% | -107.82% | -84.42% | -1781% | -177,162 bps | |
| Net Interest Margin | 5.60% | 4.80% | 5.18% | 5.49% | 6.10% | 5.68% | 5.60% | 6.47% | +98 bps | |
| Efficiency Ratio | 92.04% | 108.51% | 104.45% | 128.35% | 109.28% | 118.48% | 118.75% | 145.76% | +1,741 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.13% | -2.14% | -9.22% | -11.03% | -10.98% | -17.32% | -13.47% | -33.95% | -2,292 bps | |
| Loan Growth (YoY) | -5.84% | -7.89% | -7.81% | -6.86% | -13.79% | -10.88% | -22.51% | -35.91% | -2,906 bps | |
| Share Growth (YoY) | -14.62% | -7.70% | -13.49% | -17.21% | -19.39% | -19.49% | -17.70% | -14.92% | +229 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.79% | 7.93% | 8.01% | 8.83% | 11.88% | 15.53% | 11.91% | 3.62% | -521 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 | 1.94% | 1.97% | 2.05% | 2.27% | 2.56% | 13.84% | 6.60% | 12.80% | +1,054 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.42% | 19.72% | 21.00% | 21.14% | 21.90% | 13.06% | 12.98% | 3.21% | -1,793 bps | |
| Net Worth / Assets | 20.42% | 19.72% | 21.00% | 21.14% | 21.90% | 13.06% | 12.98% | 3.21% | -1,793 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.34% | 102.15% | 106.16% | 105.47% | 107.32% | 113.07% | 99.95% | 79.44% | -2,602 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |