South Hill, VA · Cert 35326
FDIC · 6 branches
Q3 2017
Market Position · Raleigh, NC · 2017 SOD (annual) · 0.0% share · #30 of 35 inst. · $0.0B of $27.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.53% | 0.57% | 0.53% | 0.61% | +11 bps | |
| Return on Equity | 4.97% | 5.28% | 5.55% | 5.11% | 5.84% | +87 bps | |
| Net Interest Margin | 3.55% | 3.50% | 3.51% | 3.53% | 3.55% | -1 bps | |
| Efficiency Ratio | 75.79% | 73.27% | 77.53% | 80.97% | 76.18% | +39 bps | |
| Non-Interest Burden | 2.59% | 2.49% | 2.62% | 2.78% | 2.60% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.78% | 17.36% | 15.93% | 11.35% | 5.37% | -1,341 bps | |
| Loan Growth (YoY) | 18.32% | 15.79% | 14.98% | 8.76% | -0.29% | -1,862 bps | |
| Deposit Growth (YoY) | 19.75% | 19.96% | 18.19% | 12.24% | 4.86% | -1,489 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.56% | 0.58% | 0.71% | +71 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.49% | 0.01% | 0.19% | 0.19% | +15 bps | |
| Allowance / Loans | 1.30% | 1.23% | 1.23% | 1.20% | 1.19% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.2x | 2.1x | 1.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.86% | 10.15% | 10.27% | 10.27% | 10.42% | +56 bps | |
| Total Risk-Based Capital | 13.53% | 14.20% | 14.27% | 14.61% | 15.26% | +173 bps | |
| Equity / Assets | 9.69% | 10.21% | 10.16% | 10.43% | 10.33% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.24% | 94.90% | 94.40% | 95.00% | 89.62% | -463 bps | |
| Liquid Assets / Assets | 3.51% | 2.64% | 3.06% | 3.09% | 8.24% | +473 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |