Christiansburg, VA · Cert 6830
FDIC
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.41% | 1.32% | 1.21% | 1.10% | 1.22% | 0.87% | 0.49% | 0.21% | -89 bps | |
| Return on Equity | 22.91% | 11.39% | 10.28% | 9.47% | 10.59% | 7.42% | 4.04% | 1.65% | -782 bps | |
| Net Interest Margin | 5.50% | 3.83% | 3.80% | 3.64% | 3.62% | 3.57% | 3.59% | 1.15% | -249 bps | |
| Efficiency Ratio | 52.36% | 54.90% | 58.05% | 58.32% | 57.90% | 60.35% | 59.72% | 71.67% | +1,336 bps | |
| Non-Interest Burden | 2.38% | 1.73% | 1.88% | 1.79% | 1.79% | 1.85% | 1.81% | 0.68% | -110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 99.52% | 96.46% | 90.55% | 92.04% | 1.77% | 0.42% | -1.06% | -3.39% | -9,543 bps | |
| Loan Growth (YoY) | 99.67% | 103.09% | 101.98% | 99.87% | -2.91% | -4.97% | -5.60% | -7.14% | -10,701 bps | |
| Deposit Growth (YoY) | 90.17% | 86.39% | 78.95% | 80.25% | 0.73% | -0.22% | -0.19% | -4.38% | -8,464 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.06% | 0.36% | 0.10% | 0.15% | 1.37% | 0.60% | 1.22% | +112 bps | |
| Allowance / Loans | 1.21% | 1.23% | 1.17% | 1.23% | 1.20% | 1.03% | 1.25% | 1.09% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.65% | 11.86% | 11.67% | 11.57% | 11.75% | 11.98% | 12.25% | 12.06% | +50 bps | |
| Equity / Assets | 11.39% | 11.83% | 11.62% | 11.66% | 11.49% | 11.99% | 12.17% | 13.89% | +223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.89% | 93.56% | 93.85% | 90.68% | 88.56% | 89.11% | 88.76% | 88.06% | -262 bps | |
| Liquid Assets / Assets | 0.21% | 0.19% | 0.16% | 0.14% | 0.13% | 0.14% | 0.12% | 0.16% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |