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Roanoke Valley Savings Bank, SSB

Roanoke Rapids, NC · Cert 29485

FDIC · 1 branch

Q3 2018

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: Q3 2018, the quarter ended September 30, 2018, 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

Roanoke Valley Savings Bank, SSB

Roanoke Rapids, NC · Cert 29485

FDIC · 1 branch

Q3 2018

$34.1MAssets
$13.5MLoans
$23.7MDeposits
$9.6MEquity
Deposit mix
100%Interest-bearing $23.7M0%Noninterest $0.0MQ3 2017Q3 2018

NIM

2.47%Q3 ’162.50%Q3 ’172.95%Q3 ’18+1%+21%

Non-interest income vs. expense

1.97%Q3 ’161.95%Q3 ’172.09%Q3 ’18-1%+7%

Executive Summary

  • Earnings: ROA of 0.31%, up 24 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.42% of loans (-118 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 27.90%, up 118 bps from a year ago.
  • Funding: loans stand at 56.85% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.31%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+42 bps YoY

Efficiency Ratio (YTD, annualized)

87.02%-1,112 bps YoY

Tier 1 Leverage Ratio

27.90%+118 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.07%0.12%0.42%0.44%0.31%+24 bps
Return on Equity0.26%0.46%1.55%1.63%1.13%+87 bps
Net Interest Margin1.98%2.02%2.23%2.29%2.40%+42 bps
Efficiency Ratio98.14%95.17%81.41%80.84%87.02%-1,112 bps
Non-Interest Burden1.94%1.93%1.82%1.85%2.09%+14 bps
Growth
Asset Growth (YoY)-3.31%-2.80%-2.38%-2.79%-4.92%-161 bps
Loan Growth (YoY)-6.07%-6.52%-4.01%-4.69%-5.00%+107 bps
Deposit Growth (YoY)-4.39%-3.82%-3.13%-3.63%-6.48%-209 bps
Asset Quality
Nonperforming Loans / Loans1.60%1.62%1.62%1.66%0.42%-118 bps
Net Charge-Offs / Loans0.11%0.09%0.00%0.00%0.00%-11 bps
Allowance / Loans1.38%1.41%1.41%1.45%1.45%+7 bps
Allowance Coverage of NPLs0.9x0.9x0.9x0.9x3.4x+2.6x
Capital
Tier 1 Leverage Ratio26.72%26.89%27.05%27.26%27.90%+118 bps
Total Risk-Based Capital61.64%62.28%62.29%63.57%65.26%+362 bps
Equity / Assets26.81%26.80%26.74%27.03%28.04%+123 bps
Liquidity & Funding
Loans / Deposits55.96%54.93%54.88%53.99%56.85%+88 bps
Liquid Assets / Assets38.62%38.49%36.86%37.68%35.59%-303 bps
CRE / Total Capitaln/an/an/an/an/an/an/a