PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Virginia Bank Piedmont

Lynchburg, VA · Cert 21511

FDIC

Q4 1998

$222.5MAssets
$162.7MLoans
$199.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.40%, down 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 81.71% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

1.40%-6 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.38%1.46%1.43%1.46%1.41%1.41%1.41%1.40%-6 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)4.11%-9.71%1.94%2.62%1.41%2.06%5.08%7.41%+479 bps
Loan Growth (YoY)4.03%5.62%3.37%-0.39%-2.56%-3.06%-0.74%2.27%+266 bps
Deposit Growth (YoY)3.66%-10.64%1.95%2.63%1.87%1.82%5.35%7.51%+487 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits85.98%88.95%89.71%85.89%82.24%84.68%84.52%81.71%-418 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a