Roanoke, VA · Cert 34019
FDIC · 9 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Roanoke, VA · Cert 34019
FDIC · 9 branches
Q2 2015
Market Position · Roanoke, VA · 2015 SOD (annual) · 8.9% share · #4 of 17 inst. · $0.6B of $7.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.93% | 0.85% | 0.88% | 0.91% | 0.90% | 1.05% | -0.83% | -171 bps | |
| Return on Equity | 10.21% | 9.64% | 9.30% | 9.57% | 9.72% | 9.66% | 10.54% | -8.44% | -1,801 bps | |
| Net Interest Margin | 3.43% | 3.40% | 3.41% | 3.33% | 3.35% | 3.32% | 3.27% | 3.36% | +3 bps | |
| Efficiency Ratio | 65.64% | 67.78% | 63.75% | 63.47% | 64.30% | 64.69% | 63.92% | 143.69% | +8,021 bps | |
| Non-Interest Burden | 2.08% | 2.16% | 1.99% | 1.91% | 1.97% | 1.97% | 1.88% | 4.65% | +273 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.35% | 7.95% | 9.47% | 10.01% | 7.73% | 9.23% | -1.67% | -4.81% | -1,482 bps | |
| Loan Growth (YoY) | 2.92% | 5.24% | 7.14% | 8.97% | 8.76% | 8.42% | 7.35% | 4.21% | -476 bps | |
| Deposit Growth (YoY) | 4.60% | 8.75% | 5.85% | 6.20% | 4.99% | 5.99% | -2.12% | -8.63% | -1,483 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.07% | 0.83% | 0.67% | 0.44% | 0.32% | -0.01% | 0.92% | +25 bps | |
| Allowance / Loans | 1.33% | 1.26% | 1.10% | 1.10% | 1.08% | 1.05% | 1.04% | 0.59% | -51 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 10.22% | 9.72% | n/a | |
| Total Risk-Based Capital | 14.33% | 14.14% | 13.94% | 14.19% | 14.44% | 14.53% | 14.67% | 13.69% | -50 bps | |
| Equity / Assets | 9.50% | 9.16% | 9.05% | 9.24% | 9.79% | 9.57% | 10.43% | 9.69% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.81% | 84.20% | 83.74% | 85.04% | 88.89% | 86.13% | 91.84% | 96.99% | +1,195 bps | |
| Liquid Assets / Assets | 3.86% | 3.27% | 4.24% | 3.29% | 0.81% | 4.76% | 1.02% | 0.00% | -329 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |