Hampton, VA · Charter 66950
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 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.
Hampton, VA · Charter 66950
Q4 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.84% | -0.52% | -0.43% | -0.15% | 1.23% | 0.00% | -0.98% | -1.18% | -103 bps | |
| Return on Equity | -9.50% | -6.22% | -5.02% | -1.77% | 13.90% | -0.04% | -12.15% | -15.95% | -1,418 bps | |
| Net Interest Margin | 4.50% | 4.42% | 4.51% | 4.50% | 4.30% | 4.71% | 4.94% | 4.86% | +36 bps | |
| Efficiency Ratio | 94.73% | 96.75% | 96.01% | 94.24% | 91.89% | 97.02% | 99.52% | 102.41% | +817 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.68% | -0.70% | 4.14% | 1.60% | 3.32% | -4.41% | -6.01% | -5.31% | -691 bps | |
| Loan Growth (YoY) | 8.90% | 8.94% | 7.98% | 3.50% | -0.93% | 5.67% | 1.45% | 3.78% | +28 bps | |
| Share Growth (YoY) | -6.18% | -0.62% | 4.75% | 2.03% | 3.25% | -4.37% | -5.51% | -4.36% | -640 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.60% | 1.05% | 1.08% | 2.12% | 1.01% | 1.19% | 1.33% | +25 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 | 0.57% | 0.59% | 0.65% | 0.69% | 0.35% | 0.80% | 1.45% | 1.74% | +104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.79% | 8.41% | 8.65% | 8.64% | 8.88% | 8.39% | 8.10% | 7.40% | -124 bps | |
| Net Worth / Assets | 8.79% | 8.41% | 8.65% | 8.64% | 8.88% | 8.39% | 8.10% | 7.40% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.05% | 58.98% | 62.24% | 60.41% | 59.54% | 65.18% | 66.82% | 65.56% | +515 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |