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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.46% | 0.62% | 0.29% | 0.92% | 0.89% | -0.39% | -3.56% | -385 bps | |
| Return on Equity | 5.25% | 2.59% | 3.48% | 1.54% | 4.86% | 4.68% | -2.04% | -18.43% | -1,997 bps | |
| Net Interest Margin | 2.43% | 2.34% | 2.45% | 2.53% | 2.63% | 2.74% | 2.25% | 2.01% | -52 bps | |
| Efficiency Ratio | 64.65% | 69.32% | 63.55% | 62.84% | 62.61% | 57.78% | 74.79% | 252% | +18,950 bps | |
| Non-Interest Burden | 1.40% | 1.55% | 1.44% | 1.47% | 1.53% | 1.42% | 1.68% | 5.55% | +408 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.93% | -1.50% | -0.74% | 3.19% | 7.00% | 7.56% | 5.81% | 3.28% | +9 bps | |
| Loan Growth (YoY) | -2.73% | 5.54% | 11.62% | 20.11% | 21.30% | 12.15% | 6.34% | -4.98% | -2,508 bps | |
| Deposit Growth (YoY) | -1.59% | -2.41% | 0.81% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.74% | 0.13% | 0.27% | 0.03% | 0.16% | 4.96% | 0.06% | -21 bps | |
| Allowance / Loans | 2.30% | 2.02% | 1.95% | 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 | 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 | 27.60% | 28.23% | 27.57% | 28.22% | 29.74% | 30.72% | 33.23% | 36.50% | +828 bps | |
| Equity / Assets | 17.36% | 17.81% | 18.04% | 19.03% | 18.89% | 19.00% | 18.90% | 19.75% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.15% | 76.13% | 76.59% | 81.79% | 82.05% | 79.09% | 76.97% | 74.43% | -736 bps | |
| Liquid Assets / Assets | 12.15% | 11.95% | 13.63% | 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 | n/a | n/a | n/a |