Chesapeake, VA · Cert 34945
FDIC · 13 branches
Q1 2016
Market Position · Virginia Beach-Norfolk-Newport News, VA-NC · 2015 SOD (annual) · 3.8% share · #6 of 30 inst. · $0.9B of $22.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 1.18% | 1.11% | 1.14% | 1.39% | +14 bps | |
| Return on Equity | 11.85% | 11.48% | 10.27% | 10.34% | 12.82% | +97 bps | |
| Net Interest Margin | 4.00% | 4.00% | 3.98% | 4.12% | 4.03% | +3 bps | |
| Efficiency Ratio | 82.43% | 83.56% | 84.21% | 84.54% | 79.56% | -288 bps | |
| Non-Interest Burden | 1.84% | 1.96% | 2.19% | 2.44% | 1.76% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.28% | 14.34% | 10.04% | 8.88% | 2.90% | -1,238 bps | |
| Loan Growth (YoY) | 17.20% | 15.19% | 10.76% | 8.51% | 9.75% | -746 bps | |
| Deposit Growth (YoY) | 15.96% | 9.96% | 8.82% | 8.75% | 2.64% | -1,332 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.09% | -0.02% | -0.26% | -0.01% | -24 bps | |
| Allowance / Loans | 0.91% | 0.88% | 0.93% | 0.89% | 0.86% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.09% | 10.81% | 11.08% | 11.48% | 11.26% | +17 bps | |
| Total Risk-Based Capital | 13.38% | 13.52% | 13.95% | 13.60% | 13.84% | +46 bps | |
| Equity / Assets | 10.14% | 10.46% | 11.14% | 10.91% | 10.72% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.32% | 100.71% | 98.02% | 99.87% | 97.64% | +632 bps | |
| Liquid Assets / Assets | 6.22% | 7.20% | 6.75% | 5.05% | 4.92% | -129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |