Richmond, VA · Charter 9426
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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 9426
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.01% | -0.01% | -3.02% | -0.46% | -2.29% | -5.15% | -3.87% | -4.04% | -359 bps | |
| Return on Equity | -6.92% | -0.05% | -25.18% | -3.78% | -22.38% | -69.95% | -72.42% | -93.26% | -8,948 bps | |
| Net Interest Margin | 4.25% | 3.98% | 4.01% | 3.98% | 3.54% | 3.13% | 3.59% | 3.46% | -52 bps | |
| Efficiency Ratio | 120.66% | 100.16% | 126.41% | 110.16% | 125.73% | 228% | 189.06% | 198.22% | +8,806 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.96% | 2.60% | 7.05% | 2.31% | 2.45% | -18.71% | -21.70% | -21.88% | -2,419 bps | |
| Loan Growth (YoY) | -11.33% | -10.23% | -11.47% | -12.46% | -19.05% | -37.54% | -43.59% | -43.68% | -3,122 bps | |
| Share Growth (YoY) | 3.50% | 4.83% | 12.26% | 5.92% | 7.66% | -11.96% | -15.81% | -15.02% | -2,094 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.91% | 12.43% | 4.44% | 5.12% | 10.34% | 12.84% | 4.56% | 1.98% | -314 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 | 1.29% | 0.94% | 1.73% | 1.77% | 1.22% | 4.44% | 2.76% | 1.26% | -51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.66% | 14.64% | 11.99% | 12.11% | 10.25% | 7.36% | 5.35% | 4.33% | -777 bps | |
| Net Worth / Assets | 14.66% | 14.64% | 11.99% | 12.11% | 10.25% | 7.36% | 5.35% | 4.33% | -777 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.00% | 79.44% | 76.42% | 74.82% | 61.65% | 56.36% | 51.21% | 49.59% | -2,523 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |