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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.47% | 0.68% | 0.23% | 0.43% | +4 bps | |
| Return on Equity | 3.31% | 3.97% | 5.76% | 1.91% | 3.58% | +26 bps | |
| Net Interest Margin | 3.06% | 3.12% | 3.26% | 3.03% | 2.98% | -9 bps | |
| Efficiency Ratio | 72.43% | 73.64% | 62.59% | 81.71% | 79.28% | +684 bps | |
| Non-Interest Burden | 2.19% | 2.30% | 1.99% | 2.46% | 2.35% | +16 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 | 0.10% | 0.08% | 0.37% | 0.22% | 0.06% | -4 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 |