Charlottesville, VA · Cert 58748
FDIC
Q2 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.02% | 1.00% | 13.94% | 17.78% | 3.93% | +91 bps | |
| Return on Equity | 3.09% | 1.02% | 14.53% | 18.40% | 3.99% | +90 bps | |
| Net Interest Margin | 1.05% | 1.17% | 1.30% | 1.39% | 1.63% | +58 bps | |
| Efficiency Ratio | 79.07% | 89.20% | 61.54% | 44.67% | 75.86% | -321 bps | |
| Non-Interest Burden | -3.56% | -0.45% | -20.35% | -20.45% | -3.43% | +13 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 |