Abingdon, VA · Cert 26191
FDIC · 14 branches
Q3 2019
Market Position · Kingsport-Bristol, TN-VA · 2019 SOD (annual) · 8.9% share · #5 of 27 inst. · $0.4B of $4.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.02% | 0.44% | 0.67% | 0.78% | 0.67% | 0.71% | 0.37% | 0.58% | -20 bps | |
| Return on Equity | -21.95% | 4.97% | 7.35% | 8.47% | 7.21% | 7.50% | 3.87% | 5.72% | -275 bps | |
| Net Interest Margin | 3.29% | 3.41% | 3.42% | 3.60% | 3.56% | 3.41% | 3.35% | 3.66% | +5 bps | |
| Efficiency Ratio | 77.49% | 83.19% | 75.95% | 73.61% | 77.57% | 75.53% | 74.95% | 73.97% | +36 bps | |
| Non-Interest Burden | 2.32% | 2.70% | 2.44% | 2.46% | 2.58% | 2.42% | 2.35% | 2.53% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.21% | -3.88% | -5.46% | -1.16% | -0.41% | 2.76% | 4.78% | -3.11% | -195 bps | |
| Loan Growth (YoY) | 6.12% | 5.07% | 3.93% | 3.98% | 2.92% | 2.52% | 2.16% | -0.15% | -412 bps | |
| Deposit Growth (YoY) | 1.65% | 3.02% | 0.31% | -1.26% | 0.77% | 2.02% | 3.99% | 3.12% | +438 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.39% | 0.87% | 1.03% | 1.34% | 1.26% | 1.20% | 1.18% | +15 bps | |
| Net Charge-Offs / Loans | 0.72% | 0.12% | 0.03% | 0.10% | 0.04% | 0.34% | 0.61% | 0.55% | +45 bps | |
| Allowance / Loans | 0.91% | 0.92% | 0.93% | 0.93% | 0.97% | 0.92% | 0.94% | 0.92% | -1 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.4x | 1.1x | 0.9x | 0.7x | 0.7x | 0.8x | 0.8x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.36% | 8.51% | 8.85% | 9.14% | 9.14% | 9.22% | 9.19% | 9.81% | +67 bps | |
| Total Risk-Based Capital | 13.11% | 13.10% | 13.20% | 13.28% | 13.30% | 13.90% | 13.87% | 14.08% | +80 bps | |
| Equity / Assets | 8.99% | 8.91% | 9.21% | 9.18% | 9.51% | 9.51% | 9.76% | 10.60% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.26% | 84.67% | 88.67% | 91.61% | 89.12% | 85.09% | 87.11% | 88.71% | -290 bps | |
| Liquid Assets / Assets | 3.93% | 6.14% | 2.77% | 2.65% | 3.41% | 7.60% | 6.45% | 2.54% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |