Marshall, VA · Cert 6879
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Marshall, VA · Cert 6879
FDIC
Q2 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.44% | 1.17% | 1.29% | 1.18% | 1.15% | 0.32% | 0.69% | -61 bps | |
| Return on Equity | 10.16% | 10.20% | 9.05% | 10.04% | 9.27% | 9.07% | 2.57% | 5.54% | -450 bps | |
| Net Interest Margin | 4.19% | 4.17% | 3.92% | 3.78% | 3.65% | 3.56% | 3.29% | 3.30% | -48 bps | |
| Efficiency Ratio | 56.68% | 56.93% | 64.76% | 63.62% | 64.59% | 65.20% | 86.55% | 72.37% | +875 bps | |
| Non-Interest Burden | 2.11% | 2.10% | 2.22% | 2.07% | 2.05% | 2.06% | 2.79% | 2.26% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.20% | 22.69% | 26.29% | 17.38% | 13.46% | 13.88% | 9.04% | 8.89% | -849 bps | |
| Loan Growth (YoY) | 13.14% | 17.31% | 17.46% | 14.53% | 16.94% | 12.75% | 8.06% | 8.16% | -637 bps | |
| Deposit Growth (YoY) | 31.04% | 26.48% | 24.35% | 7.91% | 4.90% | 4.19% | 0.00% | 4.43% | -348 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 | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | 0.15% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.13% | 1.11% | 1.06% | 0.95% | 0.89% | 0.63% | 0.65% | 0.64% | -31 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 | 14.59% | 14.56% | 14.45% | 14.48% | 14.13% | 13.98% | 13.69% | 13.87% | -61 bps | |
| Equity / Assets | 13.01% | 13.24% | 12.68% | 12.74% | 12.47% | 12.48% | 12.30% | 12.31% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.72% | 96.51% | 96.38% | 101.38% | 102.25% | 104.44% | 104.15% | 105.00% | +362 bps | |
| Liquid Assets / Assets | 0.55% | 0.47% | 0.34% | 0.27% | 0.26% | 0.16% | 0.16% | 0.02% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |