Bristol, VA · Cert 9982
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.91% | 1.34% | 1.22% | 1.25% | 0.96% | 1.00% | -1.56% | -278 bps | |
| Return on Equity | 12.10% | 13.38% | 18.99% | 16.18% | 16.60% | 13.28% | 13.12% | -9.75% | -2,593 bps | |
| Net Interest Margin | 4.17% | 4.33% | 4.60% | 4.54% | 4.53% | 4.19% | 4.27% | -4.56% | -910 bps | |
| Efficiency Ratio | 63.71% | 63.74% | 57.53% | 62.90% | 61.54% | 65.93% | 66.16% | 84.49% | +2,159 bps | |
| Non-Interest Burden | 2.38% | 2.66% | 2.48% | 2.74% | 2.65% | 2.67% | 2.73% | -2.38% | -512 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | 6.40% | 5.03% | 2.84% | -0.79% | -1.99% | -7.78% | 7.35% | +451 bps | |
| Loan Growth (YoY) | -3.36% | 1.57% | 1.05% | -3.06% | -3.98% | -9.24% | -9.66% | -3.49% | -42 bps | |
| Deposit Growth (YoY) | -0.04% | -2.49% | -1.01% | -1.72% | -5.58% | -2.72% | -6.15% | -5.98% | -426 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.10% | 0.13% | 0.08% | 0.12% | 0.04% | 0.07% | 0.00% | -9 bps | |
| Allowance / Loans | 1.10% | 1.11% | 1.11% | 1.11% | 1.11% | 1.11% | 1.11% | 1.11% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.58% | 10.28% | 11.44% | 12.61% | 11.67% | 12.27% | 13.25% | 13.38% | +77 bps | |
| Equity / Assets | 6.86% | 6.80% | 7.29% | 7.82% | 7.22% | 7.25% | 8.01% | 23.05% | +1,523 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.50% | 80.70% | 79.15% | 75.93% | 75.76% | 75.29% | 76.19% | 77.94% | +201 bps | |
| Liquid Assets / Assets | 17.49% | 20.07% | 20.00% | 26.16% | 24.62% | 25.65% | 29.85% | 0.00% | -2,616 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |