Fincastle, VA · Cert 6128
FDIC · 6 branches
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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.
Fincastle, VA · Cert 6128
FDIC · 6 branches
Q2 2021
Market Position · Roanoke, VA · 2021 SOD (annual) · 2.3% share · #10 of 15 inst. · $0.2B of $10.3B
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.98% | 0.16% | 0.26% | 0.45% | 0.56% | 0.52% | -0.76% | -102 bps | |
| Return on Equity | 3.75% | 8.08% | 1.23% | 2.12% | 3.77% | 4.69% | 4.57% | -6.70% | -882 bps | |
| Net Interest Margin | 3.49% | 3.46% | 3.49% | 3.20% | 3.30% | 3.35% | 3.25% | 3.11% | -9 bps | |
| Efficiency Ratio | 86.22% | 92.04% | 95.97% | 89.41% | 82.94% | 80.73% | 82.72% | 124.72% | +3,531 bps | |
| Non-Interest Burden | 2.93% | 3.12% | 3.29% | 2.78% | 2.60% | 2.52% | 2.59% | 3.98% | +120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.62% | 6.85% | 4.40% | 15.45% | 20.14% | 15.66% | 21.48% | 5.62% | -983 bps | |
| Loan Growth (YoY) | 9.98% | 12.15% | 12.96% | 33.52% | 34.86% | 18.57% | 16.42% | -7.07% | -4,060 bps | |
| Deposit Growth (YoY) | 10.59% | 6.52% | 3.90% | 16.76% | 16.76% | 17.55% | 24.02% | 6.38% | -1,038 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.39% | 0.74% | 0.40% | 0.62% | 0.58% | 0.59% | 0.53% | 0.52% | -11 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.08% | -0.48% | -0.24% | -0.20% | -0.18% | -0.04% | -0.10% | +15 bps | |
| Allowance / Loans | 1.58% | 1.38% | 1.48% | 1.31% | 1.34% | 1.47% | 1.48% | 1.56% | +25 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.9x | 3.7x | 2.1x | 2.3x | 2.5x | 2.8x | 3.0x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.59% | 11.72% | 11.85% | 10.59% | 10.83% | 10.84% | 10.92% | 10.05% | -54 bps | |
| Total Risk-Based Capital | 16.08% | 16.16% | 16.50% | 16.26% | 16.22% | 16.75% | 18.10% | 17.95% | +169 bps | |
| Equity / Assets | 11.89% | 12.73% | 12.76% | 11.46% | 11.04% | 11.72% | 11.25% | 10.93% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.47% | 89.40% | 89.42% | 94.67% | 96.42% | 90.18% | 83.94% | 82.70% | -1,198 bps | |
| Liquid Assets / Assets | 9.43% | 3.94% | 5.22% | 3.55% | 6.03% | 8.33% | 15.43% | 16.28% | +1,273 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |