Richmond, VA · Cert 58700
FDIC · 1 branch
Q3 2017
Market Position · Richmond, VA · 2017 SOD (annual) · 0.0% share · #31 of 32 inst. · $0.0B of $102.8B
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 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 20.79% | 4.89% | 9.88% | 14.76% | 17.14% | 6.68% | 10.90% | 13.77% | -99 bps | |
| Return on Equity | 24.66% | 5.69% | 11.72% | 17.24% | 19.81% | 7.54% | 12.29% | 15.33% | -191 bps | |
| Net Interest Margin | 1.66% | 1.91% | 1.79% | 1.82% | 1.53% | 1.33% | 1.33% | 1.41% | -41 bps | |
| Efficiency Ratio | 75.21% | 91.58% | 84.84% | 79.48% | 78.19% | 89.46% | 84.02% | 80.61% | +113 bps | |
| Non-Interest Burden | -28.84% | -7.64% | -15.72% | -23.23% | -23.93% | -10.60% | -16.93% | -22.45% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.16% | 9.16% | 14.31% | -0.89% | 3.05% | 7.39% | -2.12% | 1.63% | +252 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -100.00% | -10,000 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 84.72% | 86.43% | 79.58% | 90.45% | 91.71% | 89.01% | 82.08% | 91.40% | +96 bps | |
| Total Risk-Based Capital | 220% | 212% | 196.15% | 206% | 212% | 194.71% | 192.85% | 194.82% | -1,152 bps | |
| Equity / Assets | 85.32% | 86.50% | 80.97% | 89.81% | 90.05% | 87.29% | 88.92% | 93.32% | +351 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 7.39% | 6.76% | 3.17% | 7.22% | 7.93% | 13.51% | 6.52% | 4.31% | -291 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |