Staunton, VA · Charter 66990
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 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.
Staunton, VA · Charter 66990
Q3 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.59% | -1.40% | -0.93% | -0.81% | -0.82% | -1.64% | -1.20% | -1.20% | -39 bps | |
| Return on Equity | -4.29% | -10.30% | -6.82% | -5.97% | -6.15% | -12.22% | -9.07% | -9.10% | -312 bps | |
| Net Interest Margin | 1.12% | 1.44% | 1.34% | 1.28% | 0.98% | 1.18% | 1.02% | 0.93% | -35 bps | |
| Efficiency Ratio | 156.30% | 194.03% | 166.48% | 162.61% | 197.93% | 239% | 220% | 233% | +7,052 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.72% | -4.28% | -2.81% | -3.02% | -2.19% | -4.92% | -3.98% | -5.15% | -213 bps | |
| Loan Growth (YoY) | -37.40% | -40.16% | -39.03% | -33.52% | -29.17% | -22.51% | -24.34% | -6.04% | +2,748 bps | |
| Share Growth (YoY) | -2.48% | -4.00% | -2.00% | -2.04% | -1.12% | -4.72% | -3.53% | -4.74% | -270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.03% | 1.23% | 4.48% | 0.71% | 0.51% | 0.49% | 0.54% | 0.00% | -71 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 | 2.15% | 2.70% | 3.20% | 3.30% | 1.17% | 1.27% | 1.48% | 1.20% | -210 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.76% | 13.62% | 13.65% | 13.58% | 13.25% | 13.43% | 13.25% | 13.19% | -39 bps | |
| Net Worth / Assets | 13.76% | 13.62% | 13.65% | 13.58% | 13.25% | 13.43% | 13.25% | 13.19% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.01% | 9.34% | 8.32% | 8.30% | 7.89% | 7.59% | 6.52% | 8.18% | -11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |