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State Banking Performance Summary
FDIC-Insured Institutions

All Insured Institutions
Virginia
March 31, 2014
All Insured Institutions
Virginia
March 31, 2013
All Insured Institutions
Virginia
March 31, 2012
      (dollar figures in millions) All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
Number of institutions reporting101 11 90 106 12 94 112 14 98
Total employees (full-time equivalent)64,490 189 64,301 63,500 215 63,285 58,390 338 58,052
AGGREGATE CONDITION AND INCOME DATA                 
Net income (year-to-date)1,612 0 1,612 1,566 1 1,565 1,292 1 1,292
Total assets610,791 607 610,184 619,620 653 618,967 528,288 790 527,497
Earning assets548,560 573 547,987 556,146 615 555,531 468,909 737 468,171
Total loans & leases321,660 427 321,233 321,555 469 321,086 276,255 598 275,657
Other real estate owned614 6 608 829 6 823 847 8 839
Total deposits436,927 518 436,409 447,464 569 446,895 379,030 684 378,346
Equity capital75,630 79 75,551 76,571 80 76,491 66,149 90 66,059
PERFORMANCE RATIOS (YTD, %)                 
Yield on earning assets4.73 4.57 4.73 4.84 4.86 4.84 4.86 5.34 4.86
Cost of funding earning assets0.51 0.81 0.51 0.58 0.99 0.58 0.65 1.19 0.65
Net interest margin4.22 3.76 4.22 4.26 3.87 4.26 4.21 4.15 4.21
Noninterest income to avg. earning assets1.84 2.16 1.84 1.87 1.86 1.87 1.91 2.34 1.91
Noninterest expense to avg. earning assets3.77 5.09 3.77 3.83 4.84 3.83 4.11 5.60 4.11
Net charge-offs to loans & leases1.34 0.31 1.34 1.60 0.08 1.60 1.92 0.20 1.92
Credit-loss provision to net charge-offs72.17 85.33 72.17 72.20 152.63 72.20 54.78 219.00 54.75
Net operating income to average assets1.01 0.28 1.01 1.00 0.48 1.00 0.88 0.25 0.88
Retained earnings to average equity7.72 1.26 7.73 7.82 3.48 7.83 7.69 1.97 7.70
Pre tax return on assets1.59 0.60 1.59 1.49 0.81 1.49 1.35 0.53 1.35
Return on assets1.05 0.28 1.05 1.00 0.53 1.00 0.98 0.30 0.98
Return on equity8.63 2.12 8.64 8.13 4.30 8.13 7.92 2.63 7.93
Percent of unprofitable institutions3.96 9.09 3.33 6.60 16.67 5.32 8.93 21.43 7.14
Percent of institutions with earning gains53.47 45.45 54.44 57.55 58.33 57.45 73.21 71.43 73.47
CONDITION RATIOS (%)                 
Net loans and leases to assets51.73 69.38 51.71 50.86 70.70 50.84 51.14 74.45 51.10
Loss allowance to:                 
    Loans and leases1.77 1.41 1.77 1.99 1.46 1.99 2.21 1.54 2.21
    Noncurrent loans a100.92 67.05 100.97 98.17 77.90 98.20 89.10 74.74 89.12
Noncurrent loans & leases to                 
    total loans & leas1.76 2.11 1.76 2.03 1.88 2.03 2.48 2.06 2.48
Nonperforming assets to assets1.03 2.40 1.03 1.19 2.30 1.18 1.46 2.60 1.46
Core deposits to total liabilities72.54 70.77 72.55 71.80 70.59 71.80 67.82 69.98 67.81
Equity capital to total assets12.38 13.07 12.38 12.36 12.30 12.36 12.52 11.34 12.52
Core capital (leverage) ratio9.67 13.10 9.67 9.29 12.25 9.29 8.95 11.35 8.95
Total capital to risk-weighted assets16.32 22.04 16.32 16.54 19.11 16.54 16.16 17.31 16.16
Gross 1-4 family mortgages to gross assets12.14 24.39 12.12 13.71 25.32 13.70 10.69 28.47 10.67
Gross real estate assets to gross assets36.42 57.41 36.40 38.20 59.54 38.18 35.40 62.96 35.36
Source: Call Report and Thrift Financial Report
Prepared by the FDIC-Division of Insurance and Research
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