Four Oaks, NC · Cert 11506
FDIC · 12 branches
Q3 2017
Market Position · Raleigh, NC · 2017 SOD (annual) · 1.8% share · #12 of 35 inst. · $0.5B of $27.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.57% | 0.61% | 0.64% | 1.89% | 0.76% | 0.85% | 0.92% | +28 bps | |
| Return on Equity | 5.64% | 4.85% | 5.16% | 5.35% | 15.58% | 6.15% | 6.88% | 7.25% | +190 bps | |
| Net Interest Margin | 3.37% | 3.55% | 3.61% | 3.65% | 3.67% | 3.76% | 3.67% | 3.74% | +9 bps | |
| Efficiency Ratio | 89.10% | 78.76% | 81.26% | 75.69% | 82.70% | 73.50% | 71.03% | 68.82% | -687 bps | |
| Non-Interest Burden | 2.68% | 2.62% | 2.76% | 2.55% | 2.86% | 2.53% | 2.32% | 2.28% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.86% | -6.07% | -1.24% | 1.11% | 3.95% | 1.93% | 3.56% | 0.33% | -78 bps | |
| Loan Growth (YoY) | 0.95% | 3.12% | 6.16% | 7.77% | 10.39% | 7.69% | 2.55% | 2.78% | -499 bps | |
| Deposit Growth (YoY) | -18.16% | -7.13% | 1.19% | 4.24% | 2.13% | -0.50% | 1.58% | 0.04% | -420 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.88% | 0.80% | 0.74% | +74 bps | |
| Net Charge-Offs / Loans | 0.57% | 0.45% | 0.01% | -0.49% | 0.02% | 0.02% | -0.03% | 0.21% | +70 bps | |
| Allowance / Loans | 2.09% | 1.91% | 1.86% | 1.97% | 1.90% | 1.87% | 1.93% | 1.86% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 2.1x | 2.4x | 2.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.19% | 10.52% | 10.63% | 10.80% | 11.00% | 11.20% | 11.26% | 11.82% | +102 bps | |
| Total Risk-Based Capital | 15.62% | 15.46% | 15.62% | 15.72% | 15.40% | 15.50% | 15.99% | 16.29% | +57 bps | |
| Equity / Assets | 11.80% | 11.58% | 11.96% | 11.97% | 12.35% | 12.29% | 12.38% | 12.91% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.41% | 84.51% | 88.11% | 87.28% | 91.24% | 91.47% | 88.96% | 89.67% | +239 bps | |
| Liquid Assets / Assets | 14.23% | 15.34% | 13.43% | 14.93% | 10.86% | 11.96% | 12.68% | 11.02% | -391 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |