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Bank of Hampton Roads

Chesapeake, VA · Cert 27125

FDIC · 42 branches

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Hampton Roads

Chesapeake, VA · Cert 27125

FDIC · 42 branches

Q4 2017

$3.3BAssets
$2.5BLoans
$2.6BDeposits
$434.1MEquity
Loan mix
58%RE $1.2B24%C&I $0.5B18%Consumer $0.4BQ4 2016Q4 2017
Deposit mix
79%Interest-bearing $2.0B21%Noninterest $0.5BQ4 2016Q4 2017

NIM

3.75%Q4 ’152.79%Q4 ’163.73%Q4 ’17-24%+32%

Non-interest income vs. expense

3.99%Q4 ’152.88%Q4 ’162.53%Q4 ’17-33%+8%

Market Position · Virginia Beach-Norfolk-Newport News, VA-NC · 2017 SOD (annual) · 4.0% share · #6 of 25 inst. · $1.0B of $24.9B

2.5% Richmond (City)
5.3% Virginia Beach (City)
0.5% Fairfax
8.4% Chesapeake (City)

Executive Summary

  • Earnings: ROA of -1.06%, down 338 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.78% of loans (+78 bps YoY), with net charge-offs at 0.24%.
  • Capital: tier 1 leverage ratio of 10.68%, up 75 bps from a year ago.
  • Funding: loans stand at 97.51% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.06%-338 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+79 bps YoY

Efficiency Ratio (YTD, annualized)

69.40%-1,673 bps YoY

Tier 1 Leverage Ratio

10.68%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets2.32%0.81%0.83%0.85%-1.06%-338 bps
Return on Equity15.78%5.56%5.61%5.77%-7.29%-2,307 bps
Net Interest Margin2.51%3.30%3.35%3.36%3.30%+79 bps
Efficiency Ratio86.13%66.57%65.67%64.58%69.40%-1,673 bps
Non-Interest Burden1.94%1.97%1.96%1.93%2.11%+16 bps
Growth
Asset Growth (YoY)57.83%56.41%51.45%-2.05%0.14%-5,769 bps
Loan Growth (YoY)54.84%49.91%45.98%-3.95%1.30%-5,354 bps
Deposit Growth (YoY)50.91%55.82%60.71%0.68%-0.95%-5,185 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.33%1.13%0.97%0.78%+78 bps
Net Charge-Offs / Loans0.51%0.62%0.42%0.31%0.24%-27 bps
Allowance / Loans0.89%0.78%0.72%0.67%0.67%-22 bps
Allowance Coverage of NPLsn/a0.6x0.6x0.7x0.9xn/a
Capital
Tier 1 Leverage Ratio9.93%10.35%10.91%11.24%10.68%+75 bps
Total Risk-Based Capital11.94%12.50%12.82%12.74%12.03%+9 bps
Equity / Assets14.28%14.80%15.16%15.03%13.25%-103 bps
Liquidity & Funding
Loans / Deposits95.35%89.15%89.02%93.04%97.51%+216 bps
Liquid Assets / Assets1.73%3.36%2.90%1.39%3.73%+200 bps
CRE / Total Capitaln/an/an/an/an/an/an/a