Roanoke, VA · Cert 58163
FDIC · 6 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Roanoke, VA · Cert 58163
FDIC · 6 branches
Q1 2019
Market Position · Roanoke, VA · 2018 SOD (annual) · 5.2% share · #6 of 18 inst. · $0.4B of $7.2B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.63% | 0.56% | 0.99% | 0.91% | 0.97% | 0.95% | -0.24% | -123 bps | |
| Return on Equity | 5.35% | 6.02% | 5.38% | 9.41% | 8.65% | 9.20% | 8.95% | -2.35% | -1,176 bps | |
| Net Interest Margin | 3.33% | 3.33% | 3.28% | 3.41% | 3.40% | 3.41% | 3.40% | 3.33% | -8 bps | |
| Efficiency Ratio | 73.86% | 72.72% | 72.69% | 70.34% | 71.04% | 69.45% | 69.31% | 84.97% | +1,463 bps | |
| Non-Interest Burden | 2.33% | 2.29% | 2.25% | 2.15% | 2.22% | 2.17% | 2.18% | 2.80% | +65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.42% | 8.61% | 6.37% | 3.16% | 1.86% | 1.33% | 2.66% | 2.02% | -114 bps | |
| Loan Growth (YoY) | 10.40% | 7.82% | 6.22% | 6.54% | 6.00% | 7.32% | 5.78% | 1.25% | -530 bps | |
| Deposit Growth (YoY) | 9.83% | 8.76% | 5.87% | 2.52% | 0.99% | 0.92% | 3.27% | 1.52% | -100 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 0.39% | 0.34% | 0.32% | 0.35% | 0.31% | 0.36% | 0.39% | +7 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.15% | 0.23% | 0.12% | 0.08% | 0.05% | 0.07% | 1.16% | +104 bps | |
| Allowance / Loans | 0.85% | 0.85% | 0.84% | 0.85% | 0.85% | 0.84% | 0.85% | 0.85% | 0 bps | |
| Allowance Coverage of NPLs | 1.1x | 2.2x | 2.5x | 2.6x | 2.4x | 2.7x | 2.4x | 2.2x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.47% | 10.60% | 10.39% | 10.71% | 10.70% | 10.87% | 10.79% | 10.29% | -42 bps | |
| Total Risk-Based Capital | 12.22% | 12.54% | 12.48% | 12.35% | 12.40% | 12.48% | 12.49% | 11.78% | -57 bps | |
| Equity / Assets | 10.29% | 10.39% | 10.42% | 10.54% | 10.53% | 10.73% | 10.71% | 10.16% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.41% | 90.95% | 93.33% | 95.71% | 95.93% | 96.72% | 95.60% | 95.45% | -26 bps | |
| Liquid Assets / Assets | 4.84% | 4.49% | 2.29% | 1.44% | 1.49% | 1.64% | 1.32% | 2.42% | +99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |