PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Vnbtrust, National Association

Charlottesville, VA · Cert 58748

FDIC

Q2 2018

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

Executive Summary

  • Earnings: ROA of 3.93%, up 91 bps year over year; NIM at 1.63%.
  • Capital: tier 1 leverage ratio of 97.82%, up 129 bps from a year ago.

Return on Assets (quarter, annualized)

3.93%+91 bps YoY

Net Interest Margin (quarter, annualized)

1.63%+58 bps YoY

Efficiency Ratio (quarter, annualized)

75.86%-321 bps YoY

Tier 1 Leverage Ratio

97.82%+129 bps YoY

NIM

0.45%Q2 ’160.95%Q2 ’171.49%Q2 ’18+113%+55%

Non-interest income vs. expense

24.11%Q2 ’1622.19%Q2 ’1719.55%Q2 ’18-205%+4%

Discrete quarter, annualized.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets-0.37%6.56%2.15%3.02%1.00%13.94%17.78%3.93%+91 bps
Return on Equity-0.40%6.99%2.25%3.09%1.02%14.53%18.40%3.99%+90 bps
Net Interest Margin0.49%0.54%0.77%1.05%1.17%1.30%1.39%1.63%+58 bps
Efficiency Ratio97.67%71.28%80.79%79.07%89.20%61.54%44.67%75.86%-321 bps
Non-Interest Burden1.02%-9.48%-2.58%-3.56%-0.45%-20.35%-20.45%-3.43%+13 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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio92.25%94.21%94.69%96.53%96.00%99.72%94.92%97.82%+129 bps
Total Risk-Based Capital1174%802%1784%1585%2089%737%3343%3426%+184,050 bps
Equity / Assets94.44%93.23%97.81%97.66%97.32%94.64%98.59%98.56%+90 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets83.46%80.58%84.67%84.35%85.97%79.27%87.50%87.90%+355 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a