Crozet, VA · Charter 7505
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Crozet, VA · Charter 7505
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.87% | 4.39% | 4.16% | 0.54% | 3.16% | 1.87% | 0.24% | 0.33% | -21 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 29.13% | 3.74% | 5.32% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.39% | 4.14% | 4.36% | 4.14% | 3.81% | -57 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 116.18% | 101.02% | 96.18% | 116.06% | 117.13% | +96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.75% | -12.09% | -1.26% | -13.61% | -5.04% | -3.57% | -1.03% | 14.33% | +2,794 bps | |
| Loan Growth (YoY) | -44.70% | -52.13% | -42.08% | -37.06% | -29.42% | -17.87% | -14.38% | -1.84% | +3,522 bps | |
| Share Growth (YoY) | -8.89% | -8.26% | -9.17% | -15.34% | -8.02% | -6.08% | -3.08% | 12.62% | +2,796 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.78% | 3.82% | 2.09% | 2.58% | 2.90% | 7.79% | 1.38% | 1.01% | -157 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 | 8.92% | 9.51% | 8.19% | 8.44% | 6.97% | 8.06% | 7.24% | 5.81% | -263 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 6.41% | 6.47% | 6.23% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 6.41% | 6.47% | 6.23% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.22% | 49.45% | 50.38% | 47.86% | 43.14% | 43.24% | 44.50% | 41.72% | -615 bps | |
| Liquid Assets / Assets | 31.43% | 47.68% | 48.09% | 17.43% | 16.33% | 59.51% | 58.72% | 60.66% | +4,323 bps | |