Rocky Mount, VA · Cert 57259
FDIC · 3 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Rocky Mount, VA · Cert 57259
FDIC · 3 branches
Q4 2014
Market Position · Roanoke, VA · 2014 SOD (annual) · 1.9% share · #12 of 17 inst. · $0.1B 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | -0.14% | 0.04%1 | 0.09% | 0.56% | 0.69% | 0.72% | 0.62% | +53 bps | |
| Return on Equity | 3.83% | -1.09% | 0.33% | 0.67% | 4.08% | 4.91% | 5.13% | 4.38% | +372 bps | |
| Net Interest Margin | 3.64% | 3.54% | 3.54% | 3.66% | 3.62% | 3.72% | 3.73% | 3.73% | +7 bps | |
| Efficiency Ratio | 72.11% | 72.97% | 75.27% | 74.66% | 75.92% | 73.87% | 73.78% | 76.74% | +208 bps | |
| Non-Interest Burden | 2.48% | 2.43% | 2.53% | 2.59% | 2.62% | 2.60% | 2.62% | 2.74% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.43% | -8.66% | -6.32% | -7.74% | -7.68% | -7.54% | -4.16% | -2.80% | +494 bps | |
| Loan Growth (YoY) | -5.33% | -7.75% | -8.63% | -8.09% | -4.16% | -1.80% | 1.66% | -1.34% | +675 bps | |
| Deposit Growth (YoY) | -5.09% | -3.51% | -5.11% | -5.15% | -8.86% | -9.40% | -5.62% | -4.31% | +83 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 | 1.09% | 1.45% | 1.27% | 1.51% | 0.32% | 0.35% | 0.26% | 1.07% | -44 bps | |
| Allowance / Loans | 1.84% | 2.25% | 2.17% | 1.91% | 1.86% | 1.76% | 1.73% | 0.99% | -92 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.55% | 19.68% | 20.19% | 19.41% | 19.51% | 19.92% | 20.23% | 20.88% | +147 bps | |
| Equity / Assets | 13.01% | 12.66% | 13.15% | 13.58% | 13.99% | 14.28% | 14.37% | 14.56% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.75% | 83.84% | 84.29% | 86.95% | 90.18% | 90.87% | 90.80% | 89.65% | +270 bps | |
| Liquid Assets / Assets | 10.50% | 12.71% | 9.13% | 6.14% | 3.16% | 7.33% | 8.26% | 3.51% | -263 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |