Glen Allen, VA · Cert 28798
FDIC · 8 branches
Q4 2014
Market Position · Richmond, VA · 2014 SOD (annual) · 1.0% share · #8 of 32 inst. · $0.7B of $68.3B
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.92% | 0.90% | 0.47%1 | -0.54% | -111 bps | |
| Return on Equity | 3.15% | 4.86% | 4.77% | 2.49% | -2.84% | -599 bps | |
| Net Interest Margin | 2.39% | 2.63% | 2.66% | 2.50% | 2.38% | 0 bps | |
| Efficiency Ratio | 64.97% | 62.61% | 60.10% | 64.16% | 105.70% | +4,073 bps | |
| Non-Interest Burden | 1.43% | 1.53% | 1.46% | 1.52% | 2.53% | +110 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.19% | 7.00% | 7.56% | 5.81% | 3.28% | +9 bps | |
| Loan Growth (YoY) | 20.11% | 21.30% | 12.15% | 6.34% | -4.98% | -2,508 bps | |
| Deposit Growth (YoY) | 2.53% | 6.67% | 7.96% | 5.81% | 4.42% | +189 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.03% | 0.09% | 1.72% | 1.33% | +104 bps | |
| Allowance / Loans | 1.91% | 1.93% | 1.92% | 2.35% | 2.31% | +40 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 28.22% | 29.74% | 30.72% | 33.23% | 36.50% | +828 bps | |
| Equity / Assets | 19.03% | 18.89% | 19.00% | 18.90% | 19.75% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.79% | 82.05% | 79.09% | 76.97% | 74.43% | -736 bps | |
| Liquid Assets / Assets | 15.73% | 16.34% | 18.38% | 28.01% | 31.40% | +1,566 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |