Lynchburg, VA · Charter 66953
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.78% | 3.55% | 2.24% | 2.59% | 3.75% | 3.72% | 3.91% | 2.47% | -12 bps | |
| Return on Equity | 19.44% | 19.45% | 12.55% | 12.85% | 19.31% | 19.59% | 20.86% | 10.60% | -225 bps | |
| Net Interest Margin | 6.48% | 5.79% | 5.92% | 6.63% | 7.92% | 7.49% | 7.12% | 4.25% | -238 bps | |
| Efficiency Ratio | 39.04% | 38.28% | 37.30% | 35.71% | 31.78% | 29.60% | 27.41% | 25.46% | -1,025 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 49.18% | 18.85% | 12.61% | 20.80% | 14.94% | 10.18% | 17.42% | 6.63% | -1,418 bps | |
| Loan Growth (YoY) | 25.92% | 50.27% | 43.67% | 38.96% | 40.73% | 28.13% | 26.51% | 24.02% | -1,494 bps | |
| Share Growth (YoY) | 59.31% | 19.06% | 12.57% | 23.11% | 15.16% | 9.81% | 16.15% | 2.31% | -2,080 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.67% | 4.80% | 6.11% | 3.58% | 2.38% | 4.16% | 4.33% | 4.00% | +42 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 | 0.44% | 0.41% | 2.06% | 0.67% | 1.17% | 1.73% | 1.51% | 1.97% | +130 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.44% | 18.24% | 17.86% | 20.17% | 19.41% | 19.02% | 18.74% | 23.34% | +317 bps | |
| Net Worth / Assets | 19.44% | 18.24% | 17.86% | 20.17% | 19.41% | 19.02% | 18.74% | 23.34% | +317 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.53% | 80.49% | 84.12% | 99.93% | 95.96% | 93.92% | 91.63% | 121.14% | +2,121 bps | |
| Liquid Assets / Assets | 12.94% | 18.31% | 31.47% | 19.96% | 22.38% | 24.12% | 25.79% | 8.29% | -1,167 bps | |