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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.41% | 0.56% | 0.42% | 0.36% | 0.53% | 0.25% | -0.62% | -104 bps | |
| Return on Equity | 3.42% | 4.17% | 5.54% | 4.06% | 3.51% | 5.07% | 2.42% | -5.95% | -1,001 bps | |
| Net Interest Margin | 3.74% | 3.81% | 3.73% | 3.65% | 3.78% | 3.92% | 3.70% | 4.18% | +53 bps | |
| Efficiency Ratio | 83.14% | 84.02% | 77.85% | 83.52% | 83.02% | 80.42% | 89.73% | 109.08% | +2,557 bps | |
| Non-Interest Burden | 3.07% | 3.26% | 2.83% | 2.98% | 3.12% | 3.07% | 3.28% | 4.59% | +161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.27% | -9.52% | -6.14% | -6.71% | -3.88% | -2.50% | 1.93% | 0.42% | +713 bps | |
| Loan Growth (YoY) | -3.95% | -3.62% | -6.65% | -6.84% | -5.44% | -7.75% | -2.44% | -1.89% | +495 bps | |
| Deposit Growth (YoY) | -0.97% | -6.28% | -5.52% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.50% | 0.58% | 2.21% | 0.06% | 0.52% | 0.02% | 1.30% | -92 bps | |
| Allowance / Loans | 2.69% | 2.63% | 2.60% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.58% | 14.86% | 15.32% | 16.05% | 15.86% | 16.65% | 16.10% | 16.01% | -4 bps | |
| Equity / Assets | 9.70% | 10.04% | 10.16% | 10.38% | 10.31% | 10.56% | 10.23% | 10.57% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.37% | 77.05% | 75.16% | 74.85% | 74.74% | 73.37% | 71.96% | 72.45% | -240 bps | |
| Liquid Assets / Assets | 3.00% | 2.29% | 3.92% | 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 | n/a | n/a | n/a |