Luray, VA · Cert 6872
FDIC · 5 branches
Q3 2016
Market Position · Harrisonburg, VA · 2016 SOD (annual) · 1.7% share · #11 of 17 inst. · $0.0B of $2.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.14% | 0.96% | 1.07% | 0.75% | -44 bps | |
| Return on Equity | 11.03% | 10.58% | 8.93% | 9.95% | 7.17% | -385 bps | |
| Net Interest Margin | 3.54% | 3.52% | 3.48% | 3.53% | 3.48% | -6 bps | |
| Efficiency Ratio | 52.85% | 56.82% | 60.71% | 57.64% | 60.99% | +814 bps | |
| Non-Interest Burden | 1.60% | 1.78% | 1.98% | 1.84% | 2.00% | +40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.67% | 11.83% | 10.56% | 14.21% | 15.25% | +258 bps | |
| Loan Growth (YoY) | 18.12% | 15.92% | 16.60% | 15.21% | 16.29% | -183 bps | |
| Deposit Growth (YoY) | 9.80% | 8.77% | 12.39% | 17.01% | 20.12% | +1,032 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.04% | 0.07% | 0.15% | 1.21% | +115 bps | |
| Allowance / Loans | 1.08% | 1.08% | 1.09% | 1.07% | 0.81% | -27 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.89% | 10.86% | 10.79% | 10.79% | 10.56% | -33 bps | |
| Total Risk-Based Capital | 16.54% | 16.45% | 16.48% | 16.26% | 15.48% | -106 bps | |
| Equity / Assets | 10.82% | 10.71% | 10.90% | 10.69% | 10.35% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.31% | 108.19% | 103.30% | 101.02% | 103.89% | -342 bps | |
| Liquid Assets / Assets | 6.66% | 7.69% | 7.16% | 7.90% | 6.52% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |