Charlottesville, VA · Charter 8179
Q2 2003
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.62% | 0.41% | 1.30% | 1.29% | 1.38% | 1.86% | 1.48% | +18 bps | |
| Return on Equity | 9.15% | 8.05% | 5.55% | 16.97% | 16.49% | 17.13% | 22.63% | 17.41% | +44 bps | |
| Net Interest Margin | 1.05% | 1.04% | 0.75% | 1.57% | 1.56% | 1.65% | 2.16% | 2.12% | +55 bps | |
| Efficiency Ratio | 24.42% | 24.92% | 33.28% | 15.40% | 14.74% | 12.41% | 10.63% | 11.17% | -423 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.37% | 15.64% | 17.87% | 19.80% | 14.91% | 15.41% | 12.93% | 9.27% | -1,053 bps | |
| Loan Growth (YoY) | -1.34% | -3.78% | -5.88% | -4.51% | -3.65% | -4.22% | -6.96% | -9.27% | -475 bps | |
| Share Growth (YoY) | 13.01% | 16.46% | 19.44% | 21.00% | 15.50% | 15.48% | 12.39% | 8.46% | -1,254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.85% | 0.86% | 0.26% | 0.39% | 0.31% | 0.35% | 0.36% | +10 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 | 0.78% | 0.99% | 0.96% | 0.43% | 0.37% | 0.43% | 0.32% | 0.83% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.79% | 7.71% | 7.36% | 7.67% | 7.83% | 8.06% | 8.22% | 8.50% | +82 bps | |
| Net Worth / Assets | 7.79% | 7.71% | 7.36% | 7.67% | 7.83% | 8.06% | 8.22% | 8.50% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.67% | 33.13% | 30.78% | 29.82% | 28.92% | 27.47% | 25.48% | 24.95% | -487 bps | |
| Liquid Assets / Assets | 21.16% | 21.17% | 20.89% | 114.23% | 18.85% | 16.09% | 20.87% | 15.49% | -9,874 bps | |