Montross, VA · Cert 829
FDIC · 5 branches
Q4 2019
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2019 SOD (annual) · 0.0% share · #66 of 75 inst. · $0.0B of $261.4B
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.91% | 0.89% | -0.16% | 0.41% | 0.58% | 0.72% | -0.47% | -31 bps | |
| Return on Equity | 9.18% | 9.78% | 9.49% | -1.73% | 4.47% | 6.14% | 7.52% | -4.91% | -319 bps | |
| Net Interest Margin | 3.50% | 3.38% | 3.38% | 3.25% | 3.15% | 3.40% | 3.33% | 3.15% | -10 bps | |
| Efficiency Ratio | 73.43% | 71.42% | 70.87% | 72.88% | 75.00% | 72.12% | 76.10% | 119.12% | +4,624 bps | |
| Non-Interest Burden | 2.47% | 2.31% | 2.28% | 2.26% | 2.26% | 2.33% | 2.43% | 3.82% | +157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.69% | 12.87% | 13.27% | 8.99% | 1.33% | -4.73% | -7.19% | -4.20% | -1,318 bps | |
| Loan Growth (YoY) | 13.47% | 16.55% | 18.28% | 9.90% | -1.81% | -10.83% | -12.31% | -15.81% | -2,571 bps | |
| Deposit Growth (YoY) | 10.40% | 10.08% | 11.48% | 9.20% | 1.36% | -2.78% | -7.21% | -5.52% | -1,472 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.14% | 0.33% | 0.71% | 1.08% | 1.34% | 0.51% | 0.76% | +5 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.05% | 0.49% | 0.05% | 0.42% | 0.93% | 0.78% | +28 bps | |
| Allowance / Loans | 1.40% | 1.33% | 1.38% | 2.46% | 2.66% | 2.68% | 2.06% | 2.15% | -32 bps | |
| Allowance Coverage of NPLs | 14.9x | 9.5x | 4.1x | 3.5x | 2.5x | 2.0x | 4.1x | 2.8x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.46% | 9.99% | 10.06% | 8.93% | 9.31% | 9.80% | 10.11% | 9.05% | +12 bps | |
| Total Risk-Based Capital | 15.17% | 14.45% | 15.18% | 14.21% | 14.71% | 15.49% | 16.15% | 15.00% | +78 bps | |
| Equity / Assets | 9.77% | 9.49% | 9.47% | 8.92% | 9.39% | 9.82% | 10.25% | 9.17% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.23% | 92.93% | 88.26% | 87.49% | 87.41% | 85.24% | 83.42% | 77.96% | -953 bps | |
| Liquid Assets / Assets | 0.42% | 0.45% | 0.49% | 0.46% | 0.46% | 0.47% | 0.48% | 13.59% | +1,313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |