Newport News, VA · Cert 58147
FDIC · 3 branches
Q3 2014
Market Position · Virginia Beach-Norfolk-Newport News, VA-NC · 2014 SOD (annual) · 0.5% share · #18 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | -0.39% | -0.17% | -0.16% | -0.20% | 0.10% | -0.45% | -1.19% | -103 bps | |
| Return on Equity | 0.80% | -4.03% | -1.71% | -1.65% | -2.05% | 1.01% | -4.66% | -12.43% | -1,078 bps | |
| Net Interest Margin | 3.32% | 3.31% | 3.52% | 3.63% | 3.61% | 3.47% | 3.51% | 3.62% | 0 bps | |
| Efficiency Ratio | 99.92% | 98.73% | 96.97% | 100.39% | 97.21% | 106.11% | 115.02% | 128.43% | +2,803 bps | |
| Non-Interest Burden | 3.32% | 3.27% | 3.40% | 3.64% | 3.50% | 3.70% | 4.08% | 4.75% | +110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.81% | -2.60% | -5.39% | -8.33% | -6.69% | -0.46% | 0.87% | -2.72% | +561 bps | |
| Loan Growth (YoY) | -3.63% | -4.31% | 1.60% | 1.07% | 1.60% | 4.66% | 3.22% | 0.01% | -106 bps | |
| Deposit Growth (YoY) | 9.59% | -1.45% | -7.34% | -9.98% | -8.19% | -2.48% | 6.19% | 1.63% | +1,161 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 | 0.00% | 0.00% | 0.46% | 0.27% | 0.83% | -0.42% | -0.04% | 0.20% | -7 bps | |
| Allowance / Loans | 1.10% | 1.27% | 1.25% | 1.22% | 1.13% | 1.10% | 1.07% | 1.07% | -16 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 | 12.29% | 12.59% | 12.26% | 12.09% | 11.88% | 11.79% | 11.65% | 11.48% | -61 bps | |
| Equity / Assets | 9.62% | 9.91% | 9.88% | 9.73% | 9.62% | 9.56% | 9.59% | 9.62% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.29% | 88.42% | 95.33% | 95.36% | 93.29% | 94.89% | 92.67% | 93.84% | -152 bps | |
| Liquid Assets / Assets | 11.99% | 4.80% | 2.34% | 1.51% | 1.99% | 1.46% | 2.72% | 0.58% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |