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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 1.17% | 1.16% | 1.23% | 1.25% | +30 bps | |
| Return on Equity | 7.96% | 8.19% | 8.20% | 8.71% | 8.93% | +97 bps | |
| Net Interest Margin | 3.19% | 3.50% | 3.48% | 3.39% | 3.39% | +21 bps | |
| Efficiency Ratio | 59.03% | 60.27% | 60.50% | 58.61% | 57.01% | -202 bps | |
| Non-Interest Burden | 1.49% | 1.75% | 1.73% | 1.61% | 1.57% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 99.62% | 101.62% | 5.56% | 6.33% | 6.14% | -9,349 bps | |
| Loan Growth (YoY) | 85.27% | 76.26% | 3.68% | 6.76% | 9.20% | -7,607 bps | |
| Deposit Growth (YoY) | 110.97% | 89.14% | -2.45% | 0.78% | 1.80% | -10,916 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.21% | 0.26% | 0.32% | +8 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.13% | 0.07% | 0.03% | 0.06% | -30 bps | |
| Allowance / Loans | 0.79% | 0.81% | 0.81% | 0.81% | 0.83% | +4 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.1x | 4.0x | 3.1x | 2.6x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.51% | 8.71% | 8.91% | 8.81% | 8.95% | +44 bps | |
| Total Risk-Based Capital | 11.66% | 12.29% | 11.76% | 11.46% | 11.34% | -32 bps | |
| Equity / Assets | 14.09% | 14.39% | 14.08% | 13.74% | 13.99% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.45% | 88.35% | 94.80% | 91.87% | 95.95% | +650 bps | |
| Liquid Assets / Assets | 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 |