Danville, VA · Cert 16414
FDIC · 7 branches
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.62% | 0.87% | 0.95% | 0.91% | 1.07% | 0.79% | 0.80% | -14 bps | |
| Return on Equity | 7.89% | 5.19% | 7.28% | 8.07% | 7.83% | 9.68% | 7.27% | 7.49% | -58 bps | |
| Net Interest Margin | 4.15% | 4.15% | 4.24% | 3.83% | 3.87% | 3.78% | 3.44% | 3.39% | -44 bps | |
| Efficiency Ratio | 75.62% | 80.28% | 74.07% | 71.99% | 72.33% | 69.17% | 69.81% | 70.00% | -199 bps | |
| Non-Interest Burden | 2.96% | 3.30% | 3.03% | 2.62% | 2.65% | 2.41% | 2.23% | 2.21% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.31% | 1.08% | -1.45% | 14.02% | 13.49% | 8.22% | 20.12% | 6.83% | -719 bps | |
| Loan Growth (YoY) | 5.11% | 8.38% | 10.69% | 4.92% | 5.32% | 2.25% | 8.89% | 10.76% | +584 bps | |
| Deposit Growth (YoY) | -2.25% | 0.23% | -2.95% | 14.75% | 14.46% | 8.35% | 22.57% | 7.17% | -758 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.62% | 0.11% | 0.14% | 0.13% | 0.18% | 0.13% | 0.16% | +2 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.25% | 0.18% | 0.15% | 0.02% | 0.43% | 0.32% | +14 bps | |
| Allowance / Loans | 0.78% | 0.78% | 0.68% | 0.75% | 0.80% | 0.83% | 0.74% | 0.75% | 0 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.3x | 6.3x | 5.5x | 6.4x | 4.5x | 5.5x | 4.7x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.41% | 12.78% | 12.95% | 11.63% | 11.78% | 11.95% | 11.12% | 10.96% | -67 bps | |
| Total Risk-Based Capital | 19.70% | 18.34% | 18.22% | 18.68% | 18.35% | 19.10% | 18.69% | 18.29% | -38 bps | |
| Equity / Assets | 12.08% | 11.71% | 12.22% | 11.01% | 10.97% | 11.23% | 10.40% | 10.40% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.30% | 83.94% | 88.56% | 75.32% | 78.49% | 79.21% | 78.67% | 77.84% | +252 bps | |
| Liquid Assets / Assets | 4.19% | 6.86% | 3.90% | 17.15% | 13.67% | 11.05% | 9.99% | 12.83% | -432 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |