Portsmouth, VA · Charter 66968
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.36% | -0.72% | -0.10% | -0.32% | -0.11% | -0.06% | -0.20% | -10 bps | |
| Return on Equity | 0.61% | 1.71% | -3.53% | -0.50% | -1.61% | -0.55% | -0.30% | -0.96% | -46 bps | |
| Net Interest Margin | 3.53% | 3.59% | 3.34% | 3.10% | 3.16% | 3.25% | 2.87% | 3.09% | -1 bps | |
| Efficiency Ratio | 93.23% | 87.79% | 85.75% | 91.34% | 90.48% | 94.05% | 97.35% | 94.83% | +349 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | 1.95% | 3.30% | 5.34% | 3.08% | 1.71% | 5.98% | -4.47% | -981 bps | |
| Loan Growth (YoY) | -19.21% | -20.50% | -19.24% | -21.37% | -5.58% | -8.62% | 2.70% | 9.99% | +3,136 bps | |
| Share Growth (YoY) | 3.05% | 2.08% | 3.95% | 6.73% | 3.78% | 2.27% | 7.52% | -5.34% | -1,207 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.07% | 1.21% | 0.00% | 0.45% | 0.00% | 0.77% | 0.00% | 0.00% | -45 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% | 1.48% | 1.42% | 1.55% | 1.67% | 1.36% | 1.13% | 1.56% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.55% | 21.16% | 20.48% | 19.92% | 19.95% | 20.69% | 19.37% | 20.69% | +77 bps | |
| Net Worth / Assets | 20.55% | 21.16% | 20.48% | 19.92% | 19.95% | 20.69% | 19.37% | 20.69% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.39% | 50.71% | 43.65% | 38.83% | 46.76% | 45.31% | 41.69% | 45.12% | +629 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |