Culpepper, VA · Charter 9187
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Culpepper, VA · Charter 9187
Q4 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.24% | -12.22% | -9.19% | 0.56% | 0.65% | 1.47% | 1.31% | +1,050 bps | |
| Return on Equity | 2.41% | 2.12% | -397% | -288% | 17.43% | 18.90% | 35.62% | 31.08% | +31,955 bps | |
| Net Interest Margin | 3.05% | 3.02% | 3.40% | 3.47% | 3.45% | 3.56% | 3.49% | 3.39% | -8 bps | |
| Efficiency Ratio | 95.78% | 96.24% | n/a | n/a | 91.48% | 88.29% | 78.57% | 79.55% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.98% | -4.79% | -12.27% | -8.84% | -6.42% | -9.27% | 3.92% | 9.23% | +1,807 bps | |
| Loan Growth (YoY) | -26.44% | -11.37% | -3.35% | 1.27% | 7.21% | 8.45% | 3.68% | 2.85% | +157 bps | |
| Share Growth (YoY) | -10.89% | -8.68% | -5.30% | -0.44% | 2.14% | -1.42% | 3.79% | 6.97% | +741 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.13% | 1.35% | 1.72% | 0.73% | 1.20% | 1.21% | 0.63% | -109 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 | 2.08% | 1.84% | 1.56% | 1.14% | 0.89% | 0.99% | 0.89% | 0.55% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.15% | 11.11% | 3.08% | 3.19% | 3.19% | 3.44% | 4.14% | 4.23% | +105 bps | |
| Net Worth / Assets | 11.15% | 11.11% | 3.08% | 3.19% | 3.19% | 3.44% | 4.14% | 4.23% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.78% | 46.03% | 49.36% | 51.26% | 50.15% | 50.63% | 49.31% | 49.29% | -198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |