Charlottesville, VA · Cert 58748
FDIC
Q2 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Charlottesville, VA · Cert 58748
FDIC
Q2 2018
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.21% | 0.00% | 2.15% | 2.57% | 2.04% | 5.06% | 17.78% | 10.82% | +826 bps | |
| Return on Equity | -2.34% | 0.00% | 2.25% | 2.67% | 2.12% | 5.27% | 18.40% | 11.13% | +846 bps | |
| Net Interest Margin | 0.51% | 0.51% | 0.77% | 0.91% | 0.99% | 1.07% | 1.39% | 1.52% | +61 bps | |
| Efficiency Ratio | 111.68% | 96.12% | 80.79% | 79.90% | 82.83% | 73.47% | 44.67% | 56.12% | -2,378 bps | |
| Non-Interest Burden | 3.77% | 0.46% | -2.58% | -3.08% | -2.19% | -6.73% | -20.45% | -12.12% | -904 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.33% | 0.98% | -1.86% | -0.38% | 0.33% | 3.80% | 8.84% | 8.95% | +933 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 92.25% | 94.21% | 94.69% | 96.53% | 96.00% | 99.72% | 94.92% | 97.82% | +129 bps | |
| Total Risk-Based Capital | 1174% | 802% | 1784% | 1585% | 2089% | 737% | 3343% | 3426% | +184,050 bps | |
| Equity / Assets | 94.44% | 93.23% | 97.81% | 97.66% | 97.32% | 94.64% | 98.59% | 98.56% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 83.46% | 80.58% | 84.67% | 84.35% | 85.97% | 79.27% | 87.50% | 87.90% | +355 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |