Lexington, NC · Cert 16799
FDIC · 42 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lexington, NC · Cert 16799
FDIC · 42 branches
Q4 2015
Market Position · Greensboro-High Point, NC · 2015 SOD (annual) · 7.3% share · #5 of 24 inst. · $0.8B of $11.6B
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.50% | 0.66% | 0.66% | 0.64% | 0.78% | 0.80% | 0.63% | -4 bps | |
| Return on Equity | 7.79% | 5.03% | 6.51% | 6.51% | 6.07% | 7.39% | 7.61% | 5.94% | -57 bps | |
| Net Interest Margin | 3.42% | 3.12% | 3.21% | 3.21% | 3.46% | 3.36% | 3.35% | 3.34% | +13 bps | |
| Efficiency Ratio | 71.29% | 79.62% | 74.14% | 72.95% | 74.13% | 68.54% | 67.73% | 73.96% | +102 bps | |
| Non-Interest Burden | 2.25% | 2.40% | 2.27% | 2.23% | 2.43% | 2.14% | 2.10% | 2.35% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.05% | 40.42% | 35.56% | 28.24% | 34.20% | 14.37% | 13.47% | 11.50% | -1,674 bps | |
| Loan Growth (YoY) | 23.46% | 43.68% | 35.76% | 27.49% | 35.41% | 16.57% | 18.06% | 15.94% | -1,155 bps | |
| Deposit Growth (YoY) | 15.77% | 35.75% | 29.19% | 17.87% | 24.83% | 7.30% | 9.44% | 6.16% | -1,171 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.27% | 0.22% | 0.18% | 0.07% | 0.09% | 0.06% | 0.06% | -12 bps | |
| Allowance / Loans | 1.69% | 1.32% | 1.30% | 1.22% | 1.12% | 1.06% | 1.05% | 1.00% | -22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 9.49% | 9.31% | 9.45% | 9.48% | n/a | |
| Total Risk-Based Capital | 11.27% | 12.16% | 12.31% | 11.92% | 11.81% | 11.84% | 12.10% | 11.80% | -12 bps | |
| Equity / Assets | 9.41% | 10.61% | 10.73% | 10.51% | 10.48% | 10.47% | 10.71% | 10.41% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.92% | 93.00% | 94.11% | 98.47% | 96.46% | 101.03% | 101.52% | 107.54% | +907 bps | |
| Liquid Assets / Assets | 5.26% | 5.58% | 6.23% | 5.87% | 6.15% | 5.64% | 5.55% | 5.05% | -82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |