Glen Allen, VA · Cert 33954
FDIC · 1 branch
Q3 2022
Market Position · Richmond, VA · 2022 SOD (annual) · 59.5% share · #1 of 28 inst. · $85.1B of $142.9B
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 7.79% | 7.78% | 7.55% | 6.92% | 4.87% | 4.72% | 4.37% | -318 bps | |
| Return on Equity | 7.24% | 42.45% | 43.46% | 43.80% | 42.13% | 36.31% | 35.20% | 32.62% | -1,117 bps | |
| Net Interest Margin | 11.52% | 11.17% | 11.32% | 11.12% | 10.99% | 11.64% | 11.34% | 11.35% | +22 bps | |
| Efficiency Ratio | 44.93% | 45.56% | 46.75% | 47.20% | 47.81% | 52.05% | 51.83% | 50.92% | +372 bps | |
| Non-Interest Burden | 3.40% | 3.16% | 3.18% | 3.20% | 3.31% | 3.98% | 3.84% | 3.76% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.03% | -9.25% | -3.13% | -0.34% | 10.97% | 15.01% | 18.17% | 14.65% | +1,498 bps | |
| Loan Growth (YoY) | -14.15% | -13.22% | -0.01% | 5.05% | 11.19% | 16.05% | 17.46% | 18.00% | +1,295 bps | |
| Deposit Growth (YoY) | -19.65% | -13.78% | -2.19% | 2.27% | 21.64% | 28.46% | 21.99% | 23.07% | +2,079 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.31% | 1.38% | 0.92% | 0.97% | 1.14% | 1.27% | 1.19% | 1.52% | +55 bps | |
| Net Charge-Offs / Loans | 4.32% | 2.75% | 2.48% | 2.07% | 1.78% | 2.27% | 2.27% | 2.23% | +16 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 18.34% | 19.82% | 18.04% | 16.11% | 14.90% | 15.19% | 15.85% | 16.16% | +5 bps | |
| Total Risk-Based Capital | 23.44% | 25.57% | 21.82% | 19.92% | 18.03% | 18.75% | 18.97% | 19.26% | -66 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 137.82% | 130.66% | 128.37% | 129.52% | 125.98% | 118.04% | 123.60% | 124.20% | -533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |