Windsor, VA · Cert 57320
FDIC · 1 branch
Q1 2018
Market Position · Virginia Beach-Norfolk-Newport News, VA-NC · 2017 SOD (annual) · 0.2% share · #17 of 25 inst. · $0.0B of $24.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.59% | 6.08% | 0.10% | 0.05% | 0.14% | -4.92% | -11.90% | -1,199 bps | |
| Return on Equity | 1.24% | 4.36% | 41.67% | 0.61% | 0.30% | 0.86% | -32.99% | -92.87% | -9,348 bps | |
| Net Interest Margin | 4.36% | 4.31% | 4.36% | 4.51% | 4.83% | 4.85% | 4.71% | 4.57% | +6 bps | |
| Efficiency Ratio | 96.38% | 92.54% | 99.46% | 96.89% | 98.53% | 94.81% | 157.04% | 413% | +31,612 bps | |
| Non-Interest Burden | 4.20% | 3.98% | 4.34% | 4.31% | 4.69% | 4.53% | 7.27% | 19.25% | +1,494 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.35% | -5.22% | -7.47% | -7.11% | -9.72% | -3.80% | 1.51% | -0.46% | +665 bps | |
| Loan Growth (YoY) | -7.36% | 1.37% | -2.37% | -1.16% | 1.66% | 4.19% | 14.55% | 8.31% | +947 bps | |
| Deposit Growth (YoY) | -5.62% | -6.55% | -10.50% | -10.05% | -12.85% | -6.22% | 3.04% | 4.31% | +1,437 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.40% | 0.39% | 0.37% | 0.00% | 0.00% | -40 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.03% | -0.01% | 0.19% | -0.02% | 0.00% | -0.03% | -2 bps | |
| Allowance / Loans | 1.62% | 1.59% | 1.67% | 1.64% | 1.54% | 1.49% | 1.47% | 1.53% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 4.1x | 3.9x | 4.0x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.14% | 13.39% | 14.65% | 14.97% | 15.38% | 15.22% | 13.88% | 9.90% | -506 bps | |
| Total Risk-Based Capital | 18.20% | 17.86% | 19.76% | 18.99% | 18.72% | 17.96% | 16.35% | 12.77% | -621 bps | |
| Equity / Assets | 13.48% | 13.78% | 15.41% | 15.73% | 16.49% | 15.80% | 14.07% | 11.51% | -422 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.21% | 92.93% | 91.86% | 95.73% | 104.07% | 103.24% | 102.12% | 99.40% | +367 bps | |
| Liquid Assets / Assets | 5.19% | 4.32% | 1.47% | 1.00% | 0.52% | 0.50% | 0.48% | 0.50% | -50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |