Virginia Beach, VA · Cert 57730
FDIC · 4 branches
Q4 2016
Market Position · Virginia Beach-Norfolk-Newport News, VA-NC · 2016 SOD (annual) · 0.4% share · #17 of 27 inst. · $0.1B of $23.9B
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | -0.04% | 0.03% | 0.10% | 0.09% | -17 bps | |
| Return on Equity | 2.35% | -0.38% | 0.27% | 0.84% | 0.83% | -152 bps | |
| Net Interest Margin | 3.13% | 3.04% | 3.03% | 3.00% | 3.02% | -12 bps | |
| Efficiency Ratio | 87.77% | 102.30% | 98.48% | 95.48% | 95.61% | +784 bps | |
| Non-Interest Burden | 2.66% | 3.08% | 2.95% | 2.82% | 2.84% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.63% | 3.29% | 0.69% | 1.88% | -2.27% | -590 bps | |
| Loan Growth (YoY) | 3.83% | 4.98% | 0.19% | 1.34% | -2.16% | -599 bps | |
| Deposit Growth (YoY) | 5.69% | 7.82% | 6.69% | 7.32% | 2.08% | -361 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.04% | 0.03% | 0.05% | -1 bps | |
| Allowance / Loans | 0.61% | 0.62% | 0.59% | 0.60% | 0.58% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.56% | 10.44% | 10.47% | 10.49% | 10.75% | +19 bps | |
| Total Risk-Based Capital | 16.35% | 16.50% | 16.38% | 16.96% | 17.05% | +70 bps | |
| Equity / Assets | 11.29% | 11.43% | 11.40% | 11.41% | 11.63% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.76% | 105.30% | 106.26% | 102.92% | 104.24% | -452 bps | |
| Liquid Assets / Assets | 5.67% | 6.18% | 3.79% | 6.53% | 5.67% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |