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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.79% | 0.29% | 0.67% | 0.87% | 0.77% | 0.67% | -0.84% | -151 bps | |
| Return on Equity | 7.90% | 8.12% | 3.01% | 7.25% | 9.32% | 8.17% | 7.12% | -9.01% | -1,627 bps | |
| Net Interest Margin | 3.02% | 3.10% | 2.99% | 3.01% | 3.04% | 2.94% | 2.98% | 2.95% | -6 bps | |
| Efficiency Ratio | 73.75% | 72.62% | 64.87% | 72.96% | 67.24% | 72.89% | 68.26% | 91.22% | +1,827 bps | |
| Non-Interest Burden | 2.13% | 2.16% | 1.78% | 2.10% | 1.91% | 2.04% | 1.85% | 2.66% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.86% | 4.48% | 5.95% | 6.61% | 5.87% | 5.87% | -1.73% | -7.33% | -1,394 bps | |
| Loan Growth (YoY) | 4.39% | 7.15% | 6.73% | 8.22% | 10.57% | 8.41% | 6.75% | 1.48% | -675 bps | |
| Deposit Growth (YoY) | 0.26% | 4.85% | 5.29% | 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% | 0.00% | 0.00% | 0.00% | 0.49% | +49 bps | |
| Net Charge-Offs / Loans | -0.15% | 0.03% | 1.52% | 0.01% | -0.07% | 0.01% | 0.74% | 4.41% | +441 bps | |
| Allowance / Loans | 1.54% | 1.46% | 1.37% | 1.37% | 1.35% | 1.32% | 1.33% | 0.94% | -44 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.9x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.45% | 9.42% | 9.24% | 9.11% | 9.10% | 9.19% | 9.40% | 9.12% | +1 bps | |
| Total Risk-Based Capital | 17.65% | 17.57% | 16.97% | 17.00% | 16.79% | 17.18% | 16.98% | 16.47% | -53 bps | |
| Equity / Assets | 9.75% | 9.70% | 9.30% | 9.09% | 9.49% | 9.36% | 9.53% | 9.07% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.68% | 75.31% | 77.15% | 75.92% | 80.72% | 77.34% | 81.35% | 78.71% | +279 bps | |
| Liquid Assets / Assets | 3.14% | 2.39% | 2.44% | 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 | n/a | n/a | n/a |