Marshall, VA · Cert 6879
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.36% | 1.17% | 1.40% | 0.98% | 1.06% | 0.32% | 1.05% | -35 bps | |
| Return on Equity | 10.46% | 10.39% | 9.05% | 11.03% | 7.78% | 8.47% | 2.57% | 8.52% | -252 bps | |
| Net Interest Margin | 4.43% | 4.38% | 3.92% | 3.84% | 3.58% | 3.52% | 3.29% | 3.37% | -47 bps | |
| Efficiency Ratio | 56.37% | 57.64% | 64.76% | 62.53% | 66.61% | 67.22% | 86.55% | 58.96% | -357 bps | |
| Non-Interest Burden | 2.19% | 2.21% | 2.22% | 2.04% | 2.11% | 2.21% | 2.79% | 1.78% | -26 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 | 0.01% | 0.00% | -0.01% | -0.01% | 0.00% | 0.63% | -0.01% | -0.02% | -1 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 |