Vienna, VA · Cert 23567
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.34% | 0.32% | 0.30% | 0.30% | 0.33% | 0.33% | 0.29% | -1 bps | |
| Return on Equity | 4.22% | 3.72% | 3.49% | 3.34% | 3.28% | 3.58% | 3.57% | 3.21% | -13 bps | |
| Net Interest Margin | 3.40% | 3.33% | 3.19% | 3.16% | 3.38% | 3.36% | 3.31% | 3.35% | +18 bps | |
| Efficiency Ratio | 79.25% | 80.65% | 81.45% | 82.96% | 81.97% | 81.96% | 81.75% | 83.08% | +12 bps | |
| Non-Interest Burden | 2.64% | 2.64% | 2.56% | 2.58% | 2.73% | 2.71% | 2.65% | 2.73% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.28% | 13.82% | 15.50% | 4.57% | 1.23% | 3.24% | -3.83% | 1.62% | -295 bps | |
| Loan Growth (YoY) | 3.64% | 1.39% | -0.04% | 3.53% | 5.95% | 4.78% | 10.40% | 10.50% | +697 bps | |
| Deposit Growth (YoY) | 12.02% | 14.97% | 16.84% | 4.50% | 1.00% | 3.15% | -4.57% | 1.56% | -294 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.21% | 0.15% | -0.01% | -0.02% | 0.17% | 0.40% | +25 bps | |
| Allowance / Loans | 1.60% | 1.63% | 1.58% | 1.53% | 1.58% | 1.61% | 1.49% | 1.21% | -32 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.57% | 14.36% | 14.66% | 14.14% | 14.41% | 14.21% | 13.98% | 13.27% | -87 bps | |
| Equity / Assets | 9.09% | 9.16% | 8.70% | 9.05% | 9.20% | 9.09% | 9.30% | 9.15% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.89% | 74.72% | 68.68% | 75.08% | 76.46% | 75.90% | 79.44% | 81.68% | +660 bps | |
| Liquid Assets / Assets | 15.33% | 16.30% | 22.82% | 16.40% | 19.90% | 21.85% | 17.57% | 17.33% | +93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |