PackageTrendsPeer
Letter portraitLegal landscape

Vnbtrust, National Association

Charlottesville, VA · Cert 58748

FDIC

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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

Vnbtrust, National Association

Charlottesville, VA · Cert 58748

FDIC

Q2 2018

$10.4MAssets
n/aLoans
n/aDeposits
$10.3MEquity

NIM

0.47%Q2 ’160.83%Q2 ’171.39%Q2 ’18+77%+67%

Non-interest income vs. expense

24.64%Q2 ’1621.95%Q2 ’1719.80%Q2 ’18-160%-293%

Executive Summary

  • Earnings: ROA of 10.82%, up 826 bps year over year; NIM at 1.52%.
  • Capital: tier 1 leverage ratio of 97.82%, up 129 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

10.82%+826 bps YoY

Net Interest Margin (YTD, annualized)

1.52%+61 bps YoY

Efficiency Ratio (YTD, annualized)

56.12%-2,378 bps YoY

Tier 1 Leverage Ratio

97.82%+129 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets2.57%2.04%5.06%17.78%10.82%+826 bps
Return on Equity2.67%2.12%5.27%18.40%11.13%+846 bps
Net Interest Margin0.91%0.99%1.07%1.39%1.52%+61 bps
Efficiency Ratio79.90%82.83%73.47%44.67%56.12%-2,378 bps
Non-Interest Burden-3.08%-2.19%-6.73%-20.45%-12.12%-904 bps
Growth
Asset Growth (YoY)-0.38%0.33%3.80%8.84%8.95%+933 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
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 Ratio96.53%96.00%99.72%94.92%97.82%+129 bps
Total Risk-Based Capital1585%2089%737%3343%3426%+184,050 bps
Equity / Assets97.66%97.32%94.64%98.59%98.56%+90 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets84.35%85.97%79.27%87.50%87.90%+355 bps
CRE / Total Capitaln/an/an/an/an/an/an/a