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 (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 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.55% | 3.00% | 2.32% | 0.81% | 0.83% | 0.85% | -1.06% | -338 bps | |
| Return on Equity | 2.78% | 3.58% | 20.21% | 15.78% | 5.56% | 5.61% | 5.77% | -7.29% | -2,307 bps | |
| Net Interest Margin | 3.11% | 3.10% | 2.67% | 2.51% | 3.30% | 3.35% | 3.36% | 3.30% | +79 bps | |
| Efficiency Ratio | 85.38% | 81.39% | 93.40% | 86.13% | 66.57% | 65.67% | 64.58% | 69.40% | -1,673 bps | |
| Non-Interest Burden | 2.40% | 2.18% | 2.32% | 1.94% | 1.97% | 1.96% | 1.93% | 2.11% | +16 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% | 0.03% | 0.01% | 0.51% | 0.62% | 0.42% | 0.31% | 0.24% | -27 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 |