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Valley Bank

Roanoke, VA · Cert 34019

FDIC · 9 branches

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

Valley Bank

Roanoke, VA · Cert 34019

FDIC · 9 branches

Q2 2015

$843.6MAssets
$627.7MLoans
$647.2MDeposits
$81.7MEquity
Loan mix
80%RE $384.2M19%C&I $93.7M1%Consumer $3.9MQ2 2014Q2 2015
Deposit mix
96%Interest-bearing $619.7M4%Noninterest $27.4MQ2 2014Q2 2015

NIM

3.90%Q2 ’133.73%Q2 ’143.77%Q2 ’15-2%+1%

Non-interest income vs. expense

2.57%Q2 ’132.46%Q2 ’144.22%Q2 ’15-5%+143%

Market Position · Roanoke, VA · 2015 SOD (annual) · 8.9% share · #4 of 17 inst. · $0.6B of $7.3B

10.0% Roanoke (City)
14.1% Roanoke
9.7% Salem (City)

Executive Summary

  • Earnings: ROA of -0.83%, down 171 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.92%.
  • Capital: tier 1 leverage ratio of 9.72%.
  • Funding: loans stand at 96.99% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.83%-171 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+3 bps YoY

Efficiency Ratio (YTD, annualized)

143.69%+8,021 bps YoY

Tier 1 Leverage Ratio

9.72%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.88%0.91%0.90%1.05%-0.83%-171 bps
Return on Equity9.57%9.72%9.66%10.54%-8.44%-1,801 bps
Net Interest Margin3.33%3.35%3.32%3.27%3.36%+3 bps
Efficiency Ratio63.47%64.30%64.69%63.92%143.69%+8,021 bps
Non-Interest Burden1.91%1.97%1.97%1.88%4.65%+273 bps
Growth
Asset Growth (YoY)10.01%7.73%9.23%-1.67%-4.81%-1,482 bps
Loan Growth (YoY)8.97%8.76%8.42%7.35%4.21%-476 bps
Deposit Growth (YoY)6.20%4.99%5.99%-2.12%-8.63%-1,483 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.67%0.44%0.32%-0.01%0.92%+25 bps
Allowance / Loans1.10%1.08%1.05%1.04%0.59%-51 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a10.22%9.72%n/a
Total Risk-Based Capital14.19%14.44%14.53%14.67%13.69%-50 bps
Equity / Assets9.24%9.79%9.57%10.43%9.69%+45 bps
Liquidity & Funding
Loans / Deposits85.04%88.89%86.13%91.84%96.99%+1,195 bps
Liquid Assets / Assets3.29%0.81%4.76%1.02%0.00%-329 bps
CRE / Total Capitaln/an/an/an/an/an/an/a