Hampton Roads Bankshares

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	2,506,159	796,875	214.50	2,576,922	(10.98)
Loans Held for Sale, before Reserves	8,630	0	NM	21,717	(241.05)
Loan Loss Reserve	99,178	8,692	1,041.03	84,491	69.53
Net Loans Receivable	2,415,611	788,183	206.48	2,514,148	(15.68)
Intangible Assets	66,033	31,097	112.35	67,937	(11.21)
Total Assets	2,938,994	917,825	220.21	3,050,898	(14.67)
Deposits	2,314,293	675,399	242.66	2,276,881	6.57
Debt, Senior and Subordinated	315,177	127,263	147.66	447,691	(118.40)
Common Equity	151,704	108,520	39.79	164,987	(32.20)
Total Shareholders' Equity	286,309	108,520	163.83	299,231	(17.27)
Shares Outstanding (actual)	21,868,956	13,220,945	65.41	21,796,554	1.33

Income Statement ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Net Interest Income	26,477	7,522	251.99	25,899	8.93
Provision for Loan Losses	33,662	280	11,922.14	33,706	(0.52)
Noninterest Income	5,320	1,801	195.39	6,106	(51.49)
Noninterest Expense	22,278	6,144	262.60	49,267	(219.12)
Net Income Before Taxes	(21,659)	2,502	NM	(52,482)	(234.92)
Provision for Taxes	(8,282)	807	NM	(9,253)	(41.98)
Net Income	(13,377)	1,696	NM	(43,229)	(276.22)

Per Share Items ($)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Book Value per Share	6.94	8.21	(15.47)	7.57	(33.29)
Tangible Book Value	3.92	5.86	(33.09)	4.45	(47.94)
Diluted EPS Before Extra	(0.68)	0.13	NM	(2.13)	(272.30)
Diluted EPS After Extra	(0.68)	0.13	NM	(2.13)	(272.30)
Dividends Declared	0.0000	0.1100	NM	0.1100	NM

Performance Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
ROAA	(1.78)	0.79	(257)	(5.62)	384
ROAE	(17.86)	6.32	(2,418)	(52.35)	3,449
Net Interest Margin	3.80	3.82	(2)	3.71	9
Loans / Deposits	108.29	117.99	(970)	113.18	(489)
Efficiency Ratio	69.99	70.15	(16)	159.50	(8,951)

Balance Sheet Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	7.67	8.73	(106)	7.75	(9)
Equity/ Assets	9.74	11.82	(208)	9.81	(7)
Asset Quality Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	6.28	0.36	592	4.95	133
Loan Loss Reserves/ Gross Loans	3.94	1.09	285	3.25	69
Loan Loss Reserves/ NPAs	53.79	318.04	(26,425)	56.10	(230)
Net Charge-offs/ Avg Loans	2.97	0.06	291	0.22	275

Regulatory Capital Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tier 1 Capital Ratio	9.37	10.46	(109)	9.02	35

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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