Arlington, VA · Cert 30746
FDIC · 1 branch
Q4 2021
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2021 SOD (annual) · 19.8% share · #1 of 72 inst. · $70.6B of $357.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.82% | 0.80% | -1.94% | 0.76% | 0.20% | -0.05% | 0.06% | +201 bps | |
| Return on Equity | 11.05% | 11.44% | 10.76% | -25.45% | 9.27% | 2.29% | -0.54% | 0.71% | +2,616 bps | |
| Net Interest Margin | 2.41% | 2.34% | 2.01% | -4.92% | 1.28% | 0.93% | 0.98% | 0.93% | +585 bps | |
| Efficiency Ratio | 56.21% | 58.93% | 56.42% | 86.09% | 49.56% | 77.09% | 101.12% | 70.78% | -1,530 bps | |
| Non-Interest Burden | 1.32% | 1.35% | 1.10% | -2.47% | 0.42% | 0.69% | 1.00% | 0.69% | +316 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.50% | 9.31% | 12.35% | 40.16% | 58.61% | 53.12% | 50.60% | 26.10% | -1,406 bps | |
| Loan Growth (YoY) | -22.44% | -18.72% | -7.50% | 5.30% | 643% | 1048% | 1098% | 1425% | +142,003 bps | |
| Deposit Growth (YoY) | -8.96% | 8.32% | 11.51% | 39.23% | 70.16% | 59.85% | 54.50% | 31.68% | -755 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 10.02% | 22.46% | 17.46% | 17.69% | 1.81% | 0.17% | 0.00% | 0.00% | -1,769 bps | |
| Net Charge-Offs / Loans | -1.24% | -1.44% | -1.12% | 3.55% | 0.00% | 0.00% | 0.00% | 0.00% | -355 bps | |
| Allowance / Loans | -5.55% | -5.32% | -4.85% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Allowance Coverage of NPLs | -0.6x | -0.2x | -0.3x | 0.0x | 0.0x | 0.0x | 0.0x | 0.0x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.39% | 7.20% | 7.15% | 7.61% | 8.52% | 8.17% | 8.36% | 8.00% | +39 bps | |
| Total Risk-Based Capital | 35.80% | 34.94% | 36.34% | 41.76% | 51.61% | 53.10% | 53.81% | 50.28% | +852 bps | |
| Equity / Assets | 7.02% | 7.39% | 7.56% | 7.70% | 8.62% | 8.96% | 8.90% | 8.68% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 3.63% | 3.46% | 3.60% | 3.10% | 15.85% | 24.84% | 27.91% | 35.93% | +3,283 bps | |
| Liquid Assets / Assets | 51.65% | 54.12% | 57.15% | 43.43% | 47.51% | 50.99% | 47.91% | 42.62% | -81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |