Middleburg, VA · Cert 6881
FDIC · 12 branches
Q1 2017
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2016 SOD (annual) · 0.4% share · #21 of 84 inst. · $1.0B of $223.3B
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.77% | 0.77% | 0.75% | -0.84% | -151 bps | |
| Return on Equity | 7.25% | 8.29% | 8.26% | 8.00% | -9.01% | -1,627 bps | |
| Net Interest Margin | 3.01% | 3.01% | 2.98% | 3.02% | 2.95% | -6 bps | |
| Efficiency Ratio | 72.96% | 70.05% | 70.98% | 70.28% | 91.22% | +1,827 bps | |
| Non-Interest Burden | 2.10% | 1.99% | 2.01% | 1.99% | 2.66% | +56 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.61% | 5.87% | 5.87% | -1.73% | -7.33% | -1,394 bps | |
| Loan Growth (YoY) | 8.22% | 10.57% | 8.41% | 6.75% | 1.48% | -675 bps | |
| Deposit Growth (YoY) | 5.98% | 5.04% | 5.56% | 1.24% | -2.12% | -811 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.49% | +49 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.03% | -0.02% | 0.17% | 4.41% | +441 bps | |
| Allowance / Loans | 1.37% | 1.35% | 1.32% | 1.33% | 0.94% | -44 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.9x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.11% | 9.10% | 9.19% | 9.40% | 9.12% | +1 bps | |
| Total Risk-Based Capital | 17.00% | 16.79% | 17.18% | 16.98% | 16.47% | -53 bps | |
| Equity / Assets | 9.09% | 9.49% | 9.36% | 9.53% | 9.07% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.92% | 80.72% | 77.34% | 81.35% | 78.71% | +279 bps | |
| Liquid Assets / Assets | 4.85% | 2.32% | 4.15% | 2.02% | 7.14% | +229 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |