Manassas, VA · Charter 66958
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Manassas, VA · Charter 66958
Q4 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.77% | 1.61% | 1.51% | 1.57% | -0.01% | 0.91% | 0.91% | 1.16% | -40 bps | |
| Return on Equity | 14.71% | 13.39% | 12.30% | 11.25% | -0.10% | 6.36% | 6.34% | 7.25% | -399 bps | |
| Net Interest Margin | 4.34% | 4.05% | 4.13% | 4.60% | 3.74% | 4.13% | 4.17% | 4.74% | +14 bps | |
| Efficiency Ratio | 50.50% | 51.24% | 54.37% | 56.46% | 83.50% | 62.88% | 63.10% | 60.96% | +450 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.78% | -1.03% | -1.22% | -3.65% | -3.07% | -8.56% | -8.11% | -6.92% | -328 bps | |
| Loan Growth (YoY) | -6.08% | -6.53% | 0.57% | -1.53% | -4.74% | -9.08% | -12.05% | -13.38% | -1,186 bps | |
| Share Growth (YoY) | -6.79% | -2.68% | -2.99% | -5.86% | -4.61% | -10.92% | -10.22% | -9.18% | -332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.70% | 3.50% | 4.37% | 6.53% | 9.21% | 7.43% | 6.09% | 5.91% | -62 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 | 1.45% | 1.75% | 1.50% | 1.67% | 2.46% | 1.89% | 2.14% | 2.17% | +49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.02% | 11.99% | 12.29% | 13.95% | 13.45% | 14.24% | 14.36% | 16.05% | +211 bps | |
| Net Worth / Assets | 12.02% | 11.99% | 12.29% | 13.95% | 13.45% | 14.24% | 14.36% | 16.05% | +211 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.52% | 60.06% | 64.54% | 72.10% | 63.43% | 61.30% | 63.22% | 68.76% | -334 bps | |
| Liquid Assets / Assets | 42.92% | 46.38% | 42.45% | 37.10% | 44.51% | 0.00% | 0.00% | 0.00% | -3,710 bps | |