PackageTrendsPeer
Letter portraitLegal landscape

Trust Company of Virginia, The

Richmond, VA · Cert 58700

FDIC · 1 branch

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

Trust Company of Virginia, The

Richmond, VA · Cert 58700

FDIC · 1 branch

Q3 2017

$8.4MAssets
n/aLoans
n/aDeposits
$7.8MEquity
Deposit mix
0%Interest-bearing $0100%Noninterest $0Q3 2016Q3 2017

NIM

1.75%Q3 ’151.82%Q3 ’161.41%Q3 ’17+4%-23%

Non-interest income vs. expense

99.12%Q3 ’1597.07%Q3 ’1699.19%Q3 ’17+30%+3%

Market Position · Richmond, VA · 2017 SOD (annual) · 0.0% share · #31 of 32 inst. · $0.0B of $102.8B

Executive Summary

  • Earnings: ROA of 13.77%, down 99 bps year over year; NIM at 1.41%.
  • Capital: tier 1 leverage ratio of 91.40%, up 96 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

13.77%-99 bps YoY

Net Interest Margin (YTD, annualized)

1.41%-41 bps YoY

Efficiency Ratio (YTD, annualized)

80.61%+113 bps YoY

Tier 1 Leverage Ratio

91.40%+96 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets14.76%17.14%6.68%10.90%13.77%-99 bps
Return on Equity17.24%19.81%7.54%12.29%15.33%-191 bps
Net Interest Margin1.82%1.53%1.33%1.33%1.41%-41 bps
Efficiency Ratio79.48%78.19%89.46%84.02%80.61%+113 bps
Non-Interest Burden-23.23%-23.93%-10.60%-16.93%-22.45%+79 bps
Growth
Asset Growth (YoY)-0.89%3.05%7.39%-2.12%1.63%+252 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%-100.00%-10,000 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio90.45%91.71%89.01%82.08%91.40%+96 bps
Total Risk-Based Capital206%212%194.71%192.85%194.82%-1,152 bps
Equity / Assets89.81%90.05%87.29%88.92%93.32%+351 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%n/an/a
Liquid Assets / Assets7.22%7.93%13.51%6.52%4.31%-291 bps
CRE / Total Capitaln/an/an/an/an/an/an/a