Chantilly, VA · Cert 35189
FDIC · 15 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Chantilly, VA · Cert 35189
FDIC · 15 branches
Q4 2018
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2018 SOD (annual) · 0.8% share · #17 of 77 inst. · $2.1B of $256.5B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.15% | 1.14% | 0.96% | 1.17% | 1.16% | 1.23% | 1.25% | +30 bps | |
| Return on Equity | 12.72% | 10.92% | 10.06% | 7.96% | 8.19% | 8.20% | 8.71% | 8.93% | +97 bps | |
| Net Interest Margin | 3.33% | 2.76% | 2.94% | 3.19% | 3.50% | 3.48% | 3.39% | 3.39% | +21 bps | |
| Efficiency Ratio | 62.86% | 61.94% | 60.68% | 59.03% | 60.27% | 60.50% | 58.61% | 57.01% | -202 bps | |
| Non-Interest Burden | 1.46% | 1.30% | 1.46% | 1.49% | 1.75% | 1.73% | 1.61% | 1.57% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.15% | 111.50% | 108.00% | 99.62% | 101.62% | 5.56% | 6.33% | 6.14% | -9,349 bps | |
| Loan Growth (YoY) | 14.97% | 96.75% | 92.37% | 85.27% | 76.26% | 3.68% | 6.76% | 9.20% | -7,607 bps | |
| Deposit Growth (YoY) | 20.59% | 108.66% | 104.39% | 110.97% | 89.14% | -2.45% | 0.78% | 1.80% | -10,916 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.36% | 0.28% | 0.24% | 0.26% | 0.21% | 0.26% | 0.32% | +8 bps | |
| Net Charge-Offs / Loans | 1.33% | 0.37% | 0.23% | 0.35% | 0.13% | 0.07% | 0.03% | 0.06% | -30 bps | |
| Allowance / Loans | 1.24% | 0.75% | 0.79% | 0.79% | 0.81% | 0.81% | 0.81% | 0.83% | +4 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.1x | 2.8x | 3.3x | 3.1x | 4.0x | 3.1x | 2.6x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.91% | 8.47% | 8.27% | 8.51% | 8.71% | 8.91% | 8.81% | 8.95% | +44 bps | |
| Total Risk-Based Capital | 10.57% | 11.41% | 11.60% | 11.66% | 12.29% | 11.76% | 11.46% | 11.34% | -32 bps | |
| Equity / Assets | 7.94% | 13.27% | 13.08% | 14.09% | 14.39% | 14.08% | 13.74% | 13.99% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.81% | 89.20% | 86.72% | 89.45% | 88.35% | 94.80% | 91.87% | 95.95% | +650 bps | |
| Liquid Assets / Assets | 3.07% | 3.70% | 4.76% | 3.86% | 5.13% | 4.26% | 4.27% | 3.01% | -85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |