Warsaw, VA · Cert 9991
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.82% | 0.16% | 0.64% | 0.50% | 0.94% | 1.04% | 0.87% | +24 bps | |
| Return on Equity | 11.70% | 9.81% | 1.91% | 7.39% | 5.63% | 10.35% | 11.06% | 9.09% | +171 bps | |
| Net Interest Margin | 3.23% | 3.08% | 3.14% | 3.22% | 3.23% | 3.72% | 3.72% | 3.69% | +47 bps | |
| Efficiency Ratio | 65.46% | 70.11% | 78.15% | 68.82% | 69.81% | 68.14% | 63.30% | 66.76% | -206 bps | |
| Non-Interest Burden | 2.00% | 2.10% | 2.44% | 2.14% | 2.19% | 2.48% | 2.26% | 2.44% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.11% | 5.58% | 4.32% | 4.00% | 1.59% | -4.38% | -2.99% | -2.77% | -677 bps | |
| Loan Growth (YoY) | -1.33% | -1.61% | -2.61% | -6.05% | -9.76% | -9.56% | -7.19% | -3.91% | +214 bps | |
| Deposit Growth (YoY) | 8.23% | 10.98% | 9.33% | 7.57% | -0.03% | -6.50% | -4.64% | -3.92% | -1,149 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 | 0.12% | 0.00% | 0.17% | 0.11% | 2.55% | -0.26% | 0.11% | 0.10% | -1 bps | |
| Allowance / Loans | 0.81% | 0.84% | 1.10% | 1.26% | 0.89% | 1.00% | 1.01% | 1.03% | -23 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 | 12.29% | 12.69% | 12.97% | 13.51% | 13.46% | 14.23% | 14.42% | 14.64% | +113 bps | |
| Equity / Assets | 8.30% | 8.40% | 8.43% | 8.85% | 8.75% | 9.36% | 9.50% | 9.73% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.48% | 77.65% | 77.31% | 75.19% | 72.65% | 75.11% | 75.23% | 75.20% | 0 bps | |
| Liquid Assets / Assets | 0.15% | 2.78% | 2.01% | 0.05% | 0.11% | 0.04% | 0.10% | 0.06% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |