Midlothian, VA · Cert 57627
FDIC · 6 branches
Q2 2016
Market Position · Richmond, VA · 2016 SOD (annual) · 0.3% share · #15 of 36 inst. · $0.3B 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 | 0.57% | 0.51% | 0.42% | -1.53% | -0.69% | -126 bps | |
| Return on Equity | 7.21% | 6.39% | 5.28% | -20.13% | -9.12% | -1,633 bps | |
| Net Interest Margin | 2.54% | 2.42% | 2.42% | 2.72% | 2.69% | +14 bps | |
| Efficiency Ratio | 87.33% | 87.91% | 89.11% | 174.16% | 125.48% | +3,814 bps | |
| Non-Interest Burden | 2.20% | 2.12% | 2.15% | 4.12% | 3.28% | +108 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.04% | 15.72% | 9.29% | 7.15% | 3.15% | -1,290 bps | |
| Loan Growth (YoY) | 10.61% | 12.02% | 15.63% | 7.37% | 11.28% | +67 bps | |
| Deposit Growth (YoY) | 15.83% | 14.11% | 8.83% | 8.90% | 3.74% | -1,209 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.16% | -0.08% | -0.01% | 0.09% | 0.04% | +20 bps | |
| Allowance / Loans | 0.44% | 0.39% | 0.33% | 0.37% | 0.36% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.24% | 7.87% | 7.82% | 7.43% | 7.44% | -80 bps | |
| Total Risk-Based Capital | 14.60% | 14.02% | 13.43% | 13.12% | 12.10% | -250 bps | |
| Equity / Assets | 7.71% | 7.77% | 7.69% | 7.48% | 7.42% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.99% | 78.74% | 84.63% | 81.17% | 84.73% | +574 bps | |
| Liquid Assets / Assets | 10.11% | 12.13% | 10.85% | 14.39% | 12.27% | +216 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |