Petersburg, VA · Cert 29742
FDIC · 7 branches
Q1 2017
Market Position · Richmond, VA · 2016 SOD (annual) · 0.2% share · #16 of 36 inst. · $0.2B of $96.8B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.48% | 0.69% | 0.59% | 0.61% | 0.62% | 0.57% | 0.44% | -15 bps | |
| Return on Equity | 4.25% | 4.23% | 6.25% | 5.69% | 5.78% | 5.84% | 5.27% | 4.09% | -160 bps | |
| Net Interest Margin | 3.18% | 3.09% | 3.05% | 3.25% | 3.20% | 3.24% | 3.22% | 3.28% | +4 bps | |
| Efficiency Ratio | 78.14% | 77.86% | 78.45% | 70.88% | 70.05% | 70.04% | 75.30% | 75.45% | +457 bps | |
| Non-Interest Burden | 2.43% | 2.35% | 2.34% | 2.19% | 2.15% | 2.18% | 2.37% | 2.38% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.22% | 25.28% | 15.47% | 11.09% | 14.62% | 7.18% | -2.09% | -0.28% | -1,137 bps | |
| Loan Growth (YoY) | 34.69% | 52.55% | 34.95% | 30.24% | 31.34% | 13.43% | 7.78% | -0.41% | -3,066 bps | |
| Deposit Growth (YoY) | 10.02% | 13.05% | 8.59% | 6.76% | 7.30% | 7.77% | 8.39% | 9.37% | +261 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.40% | +40 bps | |
| Net Charge-Offs / Loans | 0.07% | -0.11% | -0.09% | 0.20% | 0.26% | 0.28% | 0.30% | 0.38% | +18 bps | |
| Allowance / Loans | 1.83% | 1.80% | 1.30% | 1.17% | 1.15% | 1.16% | 0.95% | 0.86% | -31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.2x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 10.75% | 10.51% | 10.43% | 10.17% | 10.41% | 10.74% | 10.93% | +50 bps | |
| Total Risk-Based Capital | 17.90% | 16.24% | 14.72% | 13.48% | 13.11% | 13.83% | 14.35% | 13.78% | +30 bps | |
| Equity / Assets | 11.61% | 11.10% | 10.38% | 10.51% | 10.76% | 10.99% | 11.01% | 10.75% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.07% | 97.81% | 103.97% | 113.43% | 111.47% | 102.95% | 103.38% | 103.28% | -1,015 bps | |
| Liquid Assets / Assets | 3.15% | 2.78% | 3.54% | 1.60% | 2.15% | 6.01% | 3.88% | 3.35% | +175 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |