Tappahannock, VA · Cert 11584
FDIC · 28 branches
Q1 2017
Market Position · Richmond, VA · 2016 SOD (annual) · 0.4% share · #12 of 36 inst. · $0.4B of $96.8B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.80% | 0.79% | 0.79% | 0.76% | -7 bps | |
| Return on Equity | 7.51% | 7.20% | 7.05% | 7.13% | 7.28% | -23 bps | |
| Net Interest Margin | 3.66% | 3.60% | 3.59% | 3.51% | 3.55% | -12 bps | |
| Efficiency Ratio | 70.70% | 71.96% | 72.72% | 72.73% | 71.47% | +77 bps | |
| Non-Interest Burden | 2.42% | 2.43% | 2.45% | 2.41% | 2.41% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.65% | 6.12% | 5.80% | 10.09% | 12.49% | +484 bps | |
| Loan Growth (YoY) | 11.36% | 8.17% | 8.73% | 17.31% | 17.88% | +652 bps | |
| Deposit Growth (YoY) | 4.79% | 3.68% | 3.11% | 5.78% | 14.06% | +927 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.64% | +64 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.19% | 0.12% | 0.01% | 0.12% | -6 bps | |
| Allowance / Loans | 1.20% | 1.15% | 1.12% | 1.09% | 1.02% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.6x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.55% | 9.69% | 9.90% | 9.87% | 9.62% | +7 bps | |
| Total Risk-Based Capital | 14.19% | 14.35% | 14.12% | 13.31% | 12.86% | -133 bps | |
| Equity / Assets | 11.19% | 11.35% | 11.36% | 10.56% | 10.43% | -76 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.68% | 89.88% | 91.47% | 97.28% | 92.68% | +300 bps | |
| Liquid Assets / Assets | 2.53% | 3.27% | 3.21% | 2.85% | 2.97% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |