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Hometown Bank

Roanoke, VA · Cert 58163

FDIC · 6 branches

Q1 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hometown Bank

Roanoke, VA · Cert 58163

FDIC · 6 branches

Q1 2019

$562.3MAssets
$461.9MLoans
$483.9MDeposits
$57.1MEquity
Loan mix
83%RE $300.8M15%C&I $53.5M2%Consumer $7.1MQ1 2018Q1 2019
Deposit mix
75%Interest-bearing $363.4M25%Noninterest $120.4MQ1 2018Q1 2019

NIM

3.80%Q1 ’173.88%Q1 ’184.10%Q1 ’19+2%-2%

Non-interest income vs. expense

2.81%Q1 ’173.00%Q1 ’183.03%Q1 ’19-7%+30%

Market Position · Roanoke, VA · 2018 SOD (annual) · 5.2% share · #6 of 18 inst. · $0.4B of $7.2B

6.4% Roanoke (City)
5.0% Montgomery
5.7% Roanoke
3.9% Franklin

Executive Summary

  • Earnings: ROA of -0.24%, down 123 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.39% of loans (+7 bps YoY), with net charge-offs at 1.16%.
  • Capital: tier 1 leverage ratio of 10.29%, down 42 bps from a year ago.
  • Funding: loans stand at 95.45% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.24%-123 bps YoY

Net Interest Margin (YTD, annualized)

3.33%-8 bps YoY

Efficiency Ratio (YTD, annualized)

84.97%+1,463 bps YoY

Tier 1 Leverage Ratio

10.29%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.99%0.91%0.97%0.95%-0.24%-123 bps
Return on Equity9.41%8.65%9.20%8.95%-2.35%-1,176 bps
Net Interest Margin3.41%3.40%3.41%3.40%3.33%-8 bps
Efficiency Ratio70.34%71.04%69.45%69.31%84.97%+1,463 bps
Non-Interest Burden2.15%2.22%2.17%2.18%2.80%+65 bps
Growth
Asset Growth (YoY)3.16%1.86%1.33%2.66%2.02%-114 bps
Loan Growth (YoY)6.54%6.00%7.32%5.78%1.25%-530 bps
Deposit Growth (YoY)2.52%0.99%0.92%3.27%1.52%-100 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.35%0.31%0.36%0.39%+7 bps
Net Charge-Offs / Loans0.12%0.08%0.05%0.07%1.16%+104 bps
Allowance / Loans0.85%0.85%0.84%0.85%0.85%0 bps
Allowance Coverage of NPLs2.6x2.4x2.7x2.4x2.2x-0.5x
Capital
Tier 1 Leverage Ratio10.71%10.70%10.87%10.79%10.29%-42 bps
Total Risk-Based Capital12.35%12.40%12.48%12.49%11.78%-57 bps
Equity / Assets10.54%10.53%10.73%10.71%10.16%-39 bps
Liquidity & Funding
Loans / Deposits95.71%95.93%96.72%95.60%95.45%-26 bps
Liquid Assets / Assets1.44%1.49%1.64%1.32%2.42%+99 bps
CRE / Total Capitaln/an/an/an/an/an/an/a