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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.64% | 0.90% | 0.85% | 0.11% | -56 bps | |
| Return on Equity | 6.35% | 6.07% | 8.58% | 8.00% | 1.03% | -531 bps | |
| Net Interest Margin | 3.49% | 3.46% | 3.45% | 3.41% | 3.38% | -11 bps | |
| Efficiency Ratio | 69.65% | 74.13% | 63.28% | 66.13% | 92.72% | +2,308 bps | |
| Non-Interest Burden | 2.31% | 2.43% | 1.97% | 2.09% | 3.12% | +81 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 28.24% | 34.20% | 14.37% | 13.47% | 11.50% | -1,674 bps | |
| Loan Growth (YoY) | 27.49% | 35.41% | 16.57% | 18.06% | 15.94% | -1,155 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.07% | 0.11% | 0.00% | 0.06% | -3 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 9.49% | 9.31% | 9.45% | 9.48% | n/a | |
| Total Risk-Based Capital | 11.92% | 11.81% | 11.84% | 12.10% | 11.80% | -12 bps | |
| Equity / Assets | 10.51% | 10.48% | 10.47% | 10.71% | 10.41% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.47% | 96.46% | 101.03% | 101.52% | 107.54% | +907 bps | |
| Liquid Assets / Assets | 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 |