Chesapeake, VA · Cert 27125
FDIC · 42 branches
Q4 2017
Market Position · Virginia Beach-Norfolk-Newport News, VA-NC · 2017 SOD (annual) · 4.0% share · #6 of 25 inst. · $1.0B of $24.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.67% | 7.08% | 0.70% | 0.81% | 0.85% | 0.92% | -6.72% | -742 bps | |
| Return on Equity | 2.78% | 4.37% | 48.76% | 4.93% | 5.56% | 5.65% | 6.09% | -47.55% | -5,248 bps | |
| Net Interest Margin | 3.11% | 3.12% | 3.47% | 3.14% | 3.30% | 3.34% | 3.40% | 3.37% | +23 bps | |
| Efficiency Ratio | 85.38% | 77.70% | 110.65% | 67.70% | 66.57% | 64.78% | 62.43% | 83.51% | +1,582 bps | |
| Non-Interest Burden | 2.40% | 1.99% | 3.82% | 1.79% | 1.97% | 1.91% | 1.89% | 2.67% | +88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.54% | 30.53% | 108.26% | 57.83% | 56.41% | 51.45% | -2.05% | 0.14% | -5,769 bps | |
| Loan Growth (YoY) | 20.78% | 25.83% | 102.13% | 54.84% | 49.91% | 45.98% | -3.95% | 1.30% | -5,354 bps | |
| Deposit Growth (YoY) | 24.66% | 22.84% | 91.18% | 50.91% | 55.82% | 60.71% | 0.68% | -0.95% | -5,185 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.33% | 1.13% | 0.97% | 0.78% | +78 bps | |
| Net Charge-Offs / Loans | 0.50% | -0.41% | -0.02% | 2.01% | 0.62% | 0.21% | 0.12% | 0.05% | -196 bps | |
| Allowance / Loans | 1.35% | 1.41% | 1.33% | 0.89% | 0.78% | 0.72% | 0.67% | 0.67% | -22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.6x | 0.6x | 0.7x | 0.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.69% | 12.76% | 11.55% | 9.93% | 10.35% | 10.91% | 11.24% | 10.68% | +75 bps | |
| Total Risk-Based Capital | 15.96% | 15.87% | 12.39% | 11.94% | 12.50% | 12.82% | 12.74% | 12.03% | +9 bps | |
| Equity / Assets | 15.44% | 15.27% | 14.05% | 14.28% | 14.80% | 15.16% | 15.03% | 13.25% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.67% | 98.00% | 97.53% | 95.35% | 89.15% | 89.02% | 93.04% | 97.51% | +216 bps | |
| Liquid Assets / Assets | 1.60% | 1.55% | 1.44% | 1.73% | 3.36% | 2.90% | 1.39% | 3.73% | +200 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |