Richmond, VA · Charter 774
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Richmond, VA · Charter 774
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.64% | 1.02% | 0.59% | 0.77% | 0.79% | 1.34% | 0.20% | -38 bps | |
| Return on Equity | 3.26% | 3.46% | 5.46% | 3.12% | 3.96% | 3.76% | 6.32% | 0.99% | -213 bps | |
| Net Interest Margin | 3.26% | 3.53% | 3.96% | 3.84% | 4.00% | 4.30% | 4.12% | 3.61% | -23 bps | |
| Efficiency Ratio | 84.03% | 83.04% | 75.06% | 85.45% | 81.52% | 82.40% | 69.08% | 94.63% | +919 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.67% | -10.42% | -7.88% | -5.72% | -9.33% | -8.89% | -7.99% | -6.32% | -60 bps | |
| Loan Growth (YoY) | 9.41% | 11.28% | 16.41% | 21.04% | 16.57% | 15.88% | 3.36% | -7.51% | -2,855 bps | |
| Share Growth (YoY) | -16.59% | -13.09% | -10.28% | -8.30% | -12.17% | -11.83% | -10.87% | -7.72% | +58 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 0.86% | 0.38% | 0.37% | 0.64% | 1.72% | 1.90% | 1.11% | +74 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 | 0.91% | 0.90% | 0.50% | 0.48% | 0.47% | 0.46% | 0.49% | 0.52% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.11% | 18.44% | 18.72% | 18.81% | 19.57% | 21.00% | 21.18% | 20.65% | +183 bps | |
| Net Worth / Assets | 17.11% | 18.44% | 18.72% | 18.81% | 19.57% | 21.00% | 21.18% | 20.65% | +183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.98% | 83.06% | 87.84% | 93.79% | 99.52% | 109.17% | 101.87% | 94.00% | +21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |