Fairfax, VA · Cert 34733
FDIC · 31 branches
Q1 2017
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2016 SOD (annual) · 1.5% share · #12 of 84 inst. · $3.3B of $223.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.23% | 1.00% | 1.37% | 1.44% | 1.37% | 1.23% | 1.22% | -15 bps | |
| Return on Equity | 12.53% | 11.79% | 9.67% | 13.29% | 13.80% | 13.04% | 11.51% | 11.40% | -189 bps | |
| Net Interest Margin | 3.26% | 3.23% | 3.16% | 3.13% | 3.16% | 3.29% | 3.33% | 3.20% | +6 bps | |
| Efficiency Ratio | 52.11% | 59.15% | 60.78% | 54.83% | 59.62% | 54.26% | 62.48% | 55.71% | +88 bps | |
| Non-Interest Burden | 1.06% | 1.52% | 1.57% | 1.03% | 1.24% | 1.11% | 1.83% | 1.21% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.92% | 17.15% | 18.76% | 18.42% | 11.65% | 8.86% | 4.40% | 5.43% | -1,299 bps | |
| Loan Growth (YoY) | 18.13% | 17.59% | 18.77% | 17.92% | 11.13% | 10.96% | 4.04% | 4.16% | -1,376 bps | |
| Deposit Growth (YoY) | 20.47% | 21.22% | 19.26% | 18.92% | 10.69% | 10.34% | 8.16% | 8.30% | -1,062 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.16% | +16 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.23% | 0.03% | -0.05% | -0.02% | 0.04% | -0.01% | 0.03% | +8 bps | |
| Allowance / Loans | 0.93% | 0.96% | 0.92% | 0.93% | 0.91% | 0.92% | 0.89% | 0.89% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.5x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.49% | 10.33% | 10.11% | 10.22% | 10.31% | 10.14% | 10.66% | 10.97% | +75 bps | |
| Total Risk-Based Capital | 11.15% | 11.30% | 11.33% | 11.46% | 11.83% | 11.99% | 12.39% | 12.42% | +96 bps | |
| Equity / Assets | 10.45% | 10.37% | 10.23% | 10.45% | 10.41% | 10.58% | 10.73% | 10.69% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.94% | 111.24% | 112.76% | 109.09% | 110.38% | 111.86% | 108.47% | 104.92% | -417 bps | |
| Liquid Assets / Assets | 0.28% | 0.33% | 0.38% | 0.97% | 0.32% | 0.59% | 1.87% | 3.42% | +246 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |