Gloucester, VA · Cert 57630
FDIC · 2 branches
Q2 2014
Market Position · Virginia Beach-Norfolk-Newport News, VA-NC · 2014 SOD (annual) · 0.5% share · #19 of 32 inst. · $0.1B of $21.6B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.45% | 0.47% | 0.25% | -0.19% | -67 bps | |
| Return on Equity | 4.81% | 4.37% | 4.54% | 2.42% | -1.77% | -658 bps | |
| Net Interest Margin | 3.72% | 3.75% | 3.80% | 3.70% | 3.91% | +19 bps | |
| Efficiency Ratio | 80.66% | 81.41% | 81.15% | 89.73% | 100.04% | +1,938 bps | |
| Non-Interest Burden | 2.92% | 3.00% | 3.02% | 3.28% | 3.91% | +99 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.71% | -3.88% | -2.50% | 1.93% | 0.42% | +713 bps | |
| Loan Growth (YoY) | -6.84% | -5.44% | -7.75% | -2.44% | -1.89% | +495 bps | |
| Deposit Growth (YoY) | -7.89% | -4.64% | -3.12% | 1.90% | 1.36% | +925 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.41% | 0.94% | 0.86% | 0.02% | 0.66% | -75 bps | |
| Allowance / Loans | 2.18% | 2.20% | 2.20% | 2.17% | 1.91% | -27 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.05% | 15.86% | 16.65% | 16.10% | 16.01% | -4 bps | |
| Equity / Assets | 10.38% | 10.31% | 10.56% | 10.23% | 10.57% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.85% | 74.74% | 73.37% | 71.96% | 72.45% | -240 bps | |
| Liquid Assets / Assets | 5.17% | 5.21% | 5.31% | 5.96% | 6.74% | +157 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |