Ewing, VA · Cert 10730
FDIC · 4 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Ewing, VA · Cert 10730
FDIC · 4 branches
Q2 2018
Market Position · Knoxville, TN · 2018 SOD (annual) · 0.6% share · #26 of 46 inst. · $0.1B of $17.1B
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.13% | 1.24% | 1.30% | 1.36% | 1.44% | 1.83% | 1.75% | +45 bps | |
| Return on Equity | 12.42% | 12.32% | 13.74% | 14.44% | 15.10% | 15.85% | 19.64% | 18.61% | +417 bps | |
| Net Interest Margin | 3.99% | 3.79% | 4.18% | 4.27% | 4.10% | 4.12% | 4.26% | 4.16% | -10 bps | |
| Efficiency Ratio | 57.23% | 58.66% | 54.59% | 52.32% | 51.10% | 52.22% | 46.27% | 47.39% | -492 bps | |
| Non-Interest Burden | 2.16% | 2.11% | 2.16% | 2.11% | 1.98% | 1.91% | 1.84% | 1.85% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.30% | 15.80% | 16.00% | 18.65% | 18.19% | 10.97% | 16.05% | 12.24% | -641 bps | |
| Loan Growth (YoY) | 13.87% | 18.75% | 15.38% | 19.11% | 19.48% | 19.66% | 22.11% | 13.82% | -530 bps | |
| Deposit Growth (YoY) | 16.75% | 19.22% | 16.96% | 16.83% | 15.54% | 4.22% | 13.13% | 10.08% | -675 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.11% | 0.08% | 0.10% | 0.06% | 0.12% | 1.68% | +160 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.20% | -0.01% | -0.02% | -0.02% | 0.00% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.08% | 1.21% | 1.20% | 1.10% | 1.06% | 1.18% | 1.16% | 1.12% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 11.1x | 14.2x | 11.0x | 18.5x | 9.5x | 0.7x | -13.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.26% | 8.90% | 9.19% | 9.51% | 9.17% | 9.37% | 9.48% | 9.73% | +22 bps | |
| Total Risk-Based Capital | 13.43% | 13.44% | 13.77% | 12.75% | 12.85% | 12.63% | 12.40% | 12.92% | +17 bps | |
| Equity / Assets | 9.37% | 8.84% | 9.16% | 9.00% | 9.07% | 9.32% | 9.35% | 9.52% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.17% | 98.77% | 100.02% | 107.58% | 107.72% | 113.39% | 107.96% | 111.24% | +366 bps | |
| Liquid Assets / Assets | 1.54% | 1.25% | 1.25% | 1.18% | 1.14% | 1.12% | 1.08% | 1.05% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |