Arlington, VA · Cert 58119
FDIC · 2 branches
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Arlington, VA · Cert 58119
FDIC · 2 branches
Q4 2021
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2021 SOD (annual) · 2.2% share · #11 of 72 inst. · $8.0B of $357.2B
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 1.08%1 | 0.67%1 | -0.15% | -0.31% | -0.05% | -0.02% | 0.09% | +24 bps | |
| Return on Equity | 2.11% | 2.74% | 1.74% | -0.43% | -1.44% | -0.26% | -0.10% | 0.43% | +86 bps | |
| Net Interest Margin | 1.99% | 1.68% | 1.52% | 0.19% | 1.23% | 1.16% | 1.22% | 1.25% | +107 bps | |
| Efficiency Ratio | 64.55% | 76.56% | 80.83% | 133.16% | 94.78% | 90.31% | 86.89% | 80.45% | -5,271 bps | |
| Non-Interest Burden | 1.01% | 1.22% | 1.23% | 0.29% | 1.61% | 1.20% | 1.14% | 1.06% | +76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.01% | 29.87% | 25.85% | 79.93% | 120.23% | 105.29% | 104.70% | 36.07% | -4,386 bps | |
| Loan Growth (YoY) | -9.62% | 10.29% | 149.41% | 193.38% | 231% | 244% | 154.05% | 151.09% | -4,229 bps | |
| Deposit Growth (YoY) | -29.73% | 48.44% | 43.95% | 136.29% | 194.11% | 172.50% | 165.38% | 47.94% | -8,835 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.18% | 0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance Coverage of NPLs | 0.0x | 0.0x | 0.0x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 38.48% | 35.63% | 33.51% | 25.51% | 19.08% | 16.23% | 16.79% | 17.02% | -849 bps | |
| Total Risk-Based Capital | 200% | 123.37% | 146.24% | 93.18% | 109.30% | 113.41% | 99.76% | 104.61% | +1,143 bps | |
| Equity / Assets | 38.59% | 37.10% | 36.95% | 25.78% | 18.48% | 18.82% | 18.81% | 19.03% | -675 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 9.21% | 11.46% | 18.35% | 12.42% | 10.37% | 14.45% | 17.56% | 21.09% | +866 bps | |
| Liquid Assets / Assets | 0.06% | 0.12% | 0.11% | 57.21% | 64.36% | 63.26% | 60.45% | 57.78% | +57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |