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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.57% | 2.04% | 5.06% | 17.78% | 10.82% | +826 bps | |
| Return on Equity | 2.67% | 2.12% | 5.27% | 18.40% | 11.13% | +846 bps | |
| Net Interest Margin | 0.91% | 0.99% | 1.07% | 1.39% | 1.52% | +61 bps | |
| Efficiency Ratio | 79.90% | 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/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 |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 96.53% | 96.00% | 99.72% | 94.92% | 97.82% | +129 bps | |
| Total Risk-Based Capital | 1585% | 2089% | 737% | 3343% | 3426% | +184,050 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |