High Point, NC · Cert 12267
FDIC · 14 branches
Q3 2016
Market Position · Greensboro-High Point, NC · 2016 SOD (annual) · 5.2% share · #6 of 23 inst. · $0.6B of $11.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.38% | 0.69% | 0.59% | 0.95% | +5 bps | |
| Return on Equity | 7.24% | 3.17% | 5.87% | 4.73% | 7.34% | +10 bps | |
| Net Interest Margin | 3.04% | 3.02% | 2.89% | 3.01% | 2.90% | -13 bps | |
| Efficiency Ratio | 83.19% | 99.89% | 77.27% | 81.81% | 76.48% | -670 bps | |
| Non-Interest Burden | 2.26% | 2.99% | 1.89% | 2.21% | 1.88% | -38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.40% | 2.49% | 2.72% | -1.74% | 1.45% | +185 bps | |
| Loan Growth (YoY) | -0.56% | -1.97% | 0.77% | -1.24% | -7.22% | -666 bps | |
| Deposit Growth (YoY) | 1.51% | 5.49% | 4.16% | -1.90% | 2.56% | +105 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.13% | -0.63% | 0.15% | 0.11% | -0.17% | -30 bps | |
| Allowance / Loans | 1.41% | 1.45% | 1.40% | 1.42% | 1.43% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.51% | 11.46% | 11.19% | 11.79% | 11.88% | +37 bps | |
| Total Risk-Based Capital | 16.25% | 16.71% | 16.11% | 16.40% | 16.98% | +73 bps | |
| Equity / Assets | 12.54% | 11.68% | 11.84% | 13.16% | 12.81% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.29% | 72.60% | 72.91% | 78.67% | 71.73% | -757 bps | |
| Liquid Assets / Assets | 2.63% | 11.40% | 5.60% | 0.26% | 8.97% | +634 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |