Waverly, VA · Cert 9990
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Waverly, VA · Cert 9990
FDIC
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.70% | 1.10% | 1.13% | 1.22% | 1.26% | 0.70% | 0.41% | -73 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.08% | 4.02% | 1.23% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 62.91% | 61.64% | 62.23% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.28% | 2.16% | 0.68% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.09% | -0.21% | -1.01% | 9.38% | 16.97% | 21.52% | 17.61% | 12.62% | +324 bps | |
| Loan Growth (YoY) | 9.14% | 6.90% | 8.89% | 19.50% | 19.91% | 25.59% | 21.36% | 3.72% | -1,578 bps | |
| Deposit Growth (YoY) | -4.99% | 0.55% | -11.34% | 13.19% | 17.20% | 21.19% | 27.67% | 3.25% | -994 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 | n/a | n/a | n/a | n/a | n/a | 0.14% | 0.43% | -0.02% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.42% | 1.95% | 2.03% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | 12.22% | 12.14% | 14.04% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 10.26% | 10.10% | 18.10% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.96% | 68.07% | 76.41% | 73.27% | 68.50% | 70.54% | 72.64% | 73.60% | +34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.22% | 3.66% | 20.62% | +2,062 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |