Glen Allen, VA · Cert 34802
FDIC · 8 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Glen Allen, VA · Cert 34802
FDIC · 8 branches
Q4 2015
Market Position · Richmond, VA · 2015 SOD (annual) · 0.5% share · #9 of 35 inst. · $0.5B of $92.2B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.82% | 0.83% | 0.86% | 0.80% | 0.82% | 0.85% | 0.35% | -52 bps | |
| Return on Equity | 8.61% | 8.53% | 8.70% | 9.01% | 8.14% | 8.41% | 8.67% | 3.54% | -547 bps | |
| Net Interest Margin | 3.42% | 3.40% | 3.31% | 3.33% | 3.47% | 3.40% | 3.41% | 3.43% | +10 bps | |
| Efficiency Ratio | 75.13% | 73.06% | 71.46% | 69.30% | 71.30% | 68.46% | 67.37% | 86.01% | +1,671 bps | |
| Non-Interest Burden | 2.50% | 2.41% | 2.29% | 2.23% | 2.43% | 2.26% | 2.22% | 2.92% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.17% | 7.22% | 11.78% | 9.20% | 6.85% | 6.66% | 3.84% | 4.57% | -463 bps | |
| Loan Growth (YoY) | 12.49% | 10.79% | 12.03% | 11.41% | 9.43% | 8.47% | 5.65% | 5.46% | -596 bps | |
| Deposit Growth (YoY) | 4.17% | 2.93% | 9.37% | 5.44% | 7.69% | 7.50% | 6.24% | 4.86% | -58 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 | -0.13% | -0.01% | -0.03% | -0.01% | -0.12% | -0.05% | -0.04% | -0.03% | -2 bps | |
| Allowance / Loans | 1.80% | 1.71% | 1.69% | 1.63% | 1.62% | 1.57% | 1.59% | 1.51% | -12 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 | 9.73% | 9.69% | 9.83% | 9.58% | n/a | |
| Total Risk-Based Capital | 13.33% | 13.05% | 12.99% | 12.90% | 12.66% | 12.38% | 12.82% | 12.26% | -64 bps | |
| Equity / Assets | 9.61% | 9.60% | 9.43% | 9.70% | 9.89% | 9.83% | 9.99% | 9.62% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.84% | 97.84% | 95.23% | 99.39% | 97.39% | 98.72% | 94.69% | 99.95% | +57 bps | |
| Liquid Assets / Assets | 2.98% | 0.56% | 2.89% | 0.75% | 2.16% | 1.06% | 1.35% | 0.76% | 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 |