Richmond, VA · Charter 7419
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | -0.89% | -0.76% | -0.81% | -0.89% | -0.76% | -0.64% | -0.62% | +19 bps | |
| Return on Equity | -9.72% | -10.94% | -9.82% | -10.62% | -12.52% | -10.80% | -9.64% | -9.34% | +128 bps | |
| Net Interest Margin | 3.15% | 3.25% | 2.96% | 2.97% | 2.82% | 2.78% | 2.26% | 2.30% | -67 bps | |
| Efficiency Ratio | 116.15% | 101.83% | 105.99% | 107.95% | 113.68% | 112.95% | 111.21% | 112.40% | +445 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.16% | 5.94% | 7.01% | 5.14% | 6.06% | 2.76% | 7.13% | 6.60% | +146 bps | |
| Loan Growth (YoY) | -0.32% | -3.25% | -12.04% | -12.93% | -16.06% | -17.15% | -18.03% | -21.81% | -888 bps | |
| Share Growth (YoY) | 6.71% | 8.57% | 9.51% | 7.06% | 8.12% | 4.31% | 8.88% | 7.84% | +78 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.18% | 2.47% | 2.56% | 2.52% | 2.51% | 2.59% | 2.42% | 2.73% | +21 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 | 0.64% | 0.78% | 0.95% | 1.02% | 0.98% | 0.85% | 0.84% | 0.80% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.85% | 8.17% | 7.71% | 7.60% | 7.10% | 7.05% | 6.63% | 6.61% | -99 bps | |
| Net Worth / Assets | 8.85% | 8.17% | 7.71% | 7.60% | 7.10% | 7.05% | 6.63% | 6.61% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.38% | 44.71% | 40.97% | 40.68% | 36.79% | 35.51% | 30.85% | 29.49% | -1,118 bps | |
| Liquid Assets / Assets | 98.06% | 0.00% | 0.00% | 0.00% | 97.89% | 98.97% | 0.00% | 0.00% | 0 bps | |