Mt. Jackson, VA · Charter 66978
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 1.99% | 1.19% | 0.66% | 0.50% | -0.32% | -8.44% | 0.77% | +11 bps | |
| Return on Equity | 6.70% | 22.25% | 14.75% | 11.43% | 8.96% | -5.96% | -637% | 11.75% | +32 bps | |
| Net Interest Margin | 5.83% | 6.55% | 5.30% | 3.58% | 3.49% | 5.74% | 6.80% | 6.34% | +275 bps | |
| Efficiency Ratio | 84.58% | 68.91% | 76.55% | 80.93% | 84.78% | 53.50% | 48.67% | 55.04% | -2,589 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.98% | 33.17% | 24.29% | 71.80% | 96.22% | 67.75% | 45.69% | -3.23% | -7,503 bps | |
| Loan Growth (YoY) | 37.10% | 29.37% | 35.29% | 24.22% | 48.21% | 75.18% | 58.67% | 39.20% | +1,498 bps | |
| Share Growth (YoY) | 6.53% | 36.03% | 23.96% | 77.37% | 106.47% | 74.95% | 57.90% | -3.95% | -8,132 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.22% | 10.80% | 7.19% | 7.04% | 6.17% | 6.73% | 4.66% | 13.43% | +638 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 | 1.78% | 1.80% | 1.68% | 1.60% | 1.30% | 1.08% | 7.38% | 1.59% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.01% | 8.94% | 8.09% | 5.78% | 5.59% | 5.45% | 1.33% | 6.57% | +80 bps | |
| Net Worth / Assets | 10.01% | 8.94% | 8.09% | 5.78% | 5.59% | 5.45% | 1.33% | 6.57% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.67% | 77.49% | 77.17% | 56.22% | 67.95% | 77.59% | 77.55% | 81.48% | +2,526 bps | |
| Liquid Assets / Assets | 15.33% | 29.07% | 29.09% | 46.79% | 36.04% | 26.20% | 27.02% | 23.07% | -2,372 bps | |