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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.70% | 0.53% | 0.52% | 0.52% | 0.57% | 0.55% | 0.57% | +5 bps | |
| Return on Equity | 3.90% | 6.60% | 5.08% | 5.04% | 5.08% | 5.55% | 5.33% | 5.50% | +46 bps | |
| Net Interest Margin | 3.47% | 3.68% | 3.56% | 3.42% | 3.32% | 3.51% | 3.50% | 3.51% | +9 bps | |
| Efficiency Ratio | 77.96% | 75.60% | 75.95% | 75.89% | 75.22% | 77.53% | 79.26% | 78.22% | +233 bps | |
| Non-Interest Burden | 2.59% | 2.66% | 2.60% | 2.50% | 2.41% | 2.62% | 2.68% | 2.65% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.89% | 7.89% | 12.45% | 18.78% | 17.36% | 15.93% | 11.35% | 5.37% | -1,341 bps | |
| Loan Growth (YoY) | 11.33% | 15.91% | 16.82% | 18.32% | 15.79% | 14.98% | 8.76% | -0.29% | -1,862 bps | |
| Deposit Growth (YoY) | 7.52% | 8.12% | 11.80% | 19.75% | 19.96% | 18.19% | 12.24% | 4.86% | -1,489 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.56% | 0.58% | 0.71% | +71 bps | |
| Net Charge-Offs / Loans | 0.30% | -0.25% | 0.01% | 0.02% | 0.13% | 0.01% | 0.10% | 0.13% | +11 bps | |
| Allowance / Loans | 1.26% | 1.29% | 1.29% | 1.30% | 1.23% | 1.23% | 1.20% | 1.19% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 2.2x | 2.1x | 1.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.68% | 10.60% | 10.28% | 9.86% | 10.15% | 10.27% | 10.27% | 10.42% | +56 bps | |
| Total Risk-Based Capital | 14.43% | 14.36% | 14.06% | 13.53% | 14.20% | 14.27% | 14.61% | 15.26% | +173 bps | |
| Equity / Assets | 10.69% | 10.56% | 10.36% | 9.69% | 10.21% | 10.16% | 10.43% | 10.33% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.31% | 97.03% | 98.05% | 94.24% | 94.90% | 94.40% | 95.00% | 89.62% | -463 bps | |
| Liquid Assets / Assets | 2.14% | 2.64% | 1.57% | 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 | n/a | n/a | n/a |