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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.74% | 0.85% | 0.90% | 0.95% | 0.92% | 1.05% | -2.79% | -369 bps | |
| Return on Equity | 10.78% | 7.93% | 9.30% | 9.83% | 9.98% | 9.46% | 10.54% | -27.74% | -3,757 bps | |
| Net Interest Margin | 3.49% | 3.50% | 3.41% | 3.35% | 3.36% | 3.33% | 3.27% | 3.38% | +3 bps | |
| Efficiency Ratio | 67.42% | 74.25% | 63.75% | 63.20% | 66.01% | 65.87% | 63.92% | 305% | +24,192 bps | |
| Non-Interest Burden | 2.24% | 2.52% | 1.99% | 1.89% | 2.06% | 2.03% | 1.88% | 7.36% | +547 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 | 0.19% | 0.02% | 0.83% | 0.55% | -0.03% | -0.01% | -0.01% | 1.85% | +130 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 |