Chesapeake, VA · Charter 66940
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Chesapeake, VA · Charter 66940
Q1 2015
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.81% | -0.85% | -0.85% | -0.87% | -1.26% | -1.18% | -1.08% | -1.15% | -28 bps | |
| Return on Equity | -9.73% | -10.29% | -10.57% | -11.61% | -17.91% | -16.13% | -15.07% | -16.80% | -518 bps | |
| Net Interest Margin | 2.35% | 2.34% | 2.35% | 1.98% | 2.06% | 2.15% | 2.23% | 2.09% | +10 bps | |
| Efficiency Ratio | 128.82% | 131.10% | 132.17% | 147.42% | 135.80% | 138.92% | 135.74% | 150.50% | +309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.98% | 4.00% | 1.25% | 3.10% | 2.12% | -1.71% | -2.36% | -5.89% | -899 bps | |
| Loan Growth (YoY) | -16.59% | -15.47% | -11.58% | -6.71% | -5.65% | -2.19% | -2.58% | -8.87% | -216 bps | |
| Share Growth (YoY) | 2.13% | 5.40% | 2.33% | 4.41% | 3.62% | -0.68% | -1.36% | -5.18% | -958 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 0.81% | 0.31% | 1.04% | 0.71% | 1.27% | 1.31% | 1.34% | +30 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 | 2.50% | 2.21% | 1.73% | 1.51% | 1.62% | 1.20% | 1.12% | 1.12% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.29% | 8.27% | 8.08% | 7.52% | 7.06% | 7.31% | 7.20% | 6.86% | -66 bps | |
| Net Worth / Assets | 8.29% | 8.27% | 8.08% | 7.52% | 7.06% | 7.31% | 7.20% | 6.86% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.54% | 23.34% | 22.80% | 20.64% | 20.53% | 22.99% | 22.52% | 19.84% | -80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |