Suffolk, VA · Cert 57487
FDIC · 8 branches
Q2 2016
Market Position · Richmond, VA · 2016 SOD (annual) · 0.5% share · #10 of 36 inst. · $0.5B of $96.8B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.44% | 0.50% | 0.23% | 0.33% | -9 bps | |
| Return on Equity | 3.50% | 3.65% | 4.19% | 1.91% | 2.75% | -75 bps | |
| Net Interest Margin | 3.05% | 3.03% | 2.99% | 3.03% | 3.01% | -4 bps | |
| Efficiency Ratio | 72.49% | 72.88% | 70.04% | 81.71% | 80.52% | +802 bps | |
| Non-Interest Burden | 2.18% | 2.19% | 2.07% | 2.46% | 2.41% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 29.13% | 7.10% | 13.59% | 3.17% | 7.94% | -2,119 bps | |
| Loan Growth (YoY) | 27.53% | 2.17% | 3.82% | 2.87% | 6.96% | -2,057 bps | |
| Deposit Growth (YoY) | 29.16% | 7.61% | 15.08% | 3.44% | 8.27% | -2,089 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.12% | 0.18% | 0.22% | 0.14% | 0 bps | |
| Allowance / Loans | 0.89% | 0.93% | 0.94% | 0.91% | 0.87% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.64% | 10.53% | 10.28% | 10.24% | 10.42% | -22 bps | |
| Total Risk-Based Capital | 12.98% | 13.03% | 12.74% | 12.60% | 12.30% | -68 bps | |
| Equity / Assets | 11.68% | 12.17% | 11.58% | 12.08% | 11.80% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.61% | 92.20% | 87.64% | 89.31% | 89.51% | -110 bps | |
| Liquid Assets / Assets | 4.58% | 2.30% | 3.45% | 2.72% | 2.68% | -190 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |