Elkin, NC · Cert 19861
FDIC · 100 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Elkin, NC · Cert 19861
FDIC · 100 branches
Q4 2016
Market Position · Raleigh, NC · 2016 SOD (annual) · 5.5% share · #6 of 33 inst. · $1.5B of $27.6B
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.05% | 1.09% | 1.10% | 0.59% | 0.85% | 0.90% | 0.88% | -22 bps | |
| Return on Equity | 7.13% | 7.34% | 7.63% | 7.78% | 4.15% | 5.92% | 6.17% | 6.01% | -178 bps | |
| Net Interest Margin | 3.99% | 3.97% | 3.92% | 3.90% | 3.91% | 3.28% | 3.45% | 3.56% | -34 bps | |
| Efficiency Ratio | 61.03% | 61.94% | 59.76% | 59.16% | 72.44% | 65.82% | 63.91% | 63.66% | +450 bps | |
| Non-Interest Burden | 2.08% | 2.05% | 1.90% | 1.87% | 2.45% | 1.83% | 1.85% | 1.91% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 135.42% | 137.48% | 4.20% | 4.91% | 74.09% | 72.45% | 68.65% | 61.37% | +5,646 bps | |
| Loan Growth (YoY) | 112.01% | 108.59% | 5.73% | 7.04% | 78.62% | 80.61% | 76.93% | 67.62% | +6,059 bps | |
| Deposit Growth (YoY) | 110.25% | 114.98% | 1.97% | 2.01% | 66.90% | 64.59% | 63.55% | 57.48% | +5,547 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% | 0.09% | 0.10% | 0.14% | 0.11% | 0.09% | 0.12% | 0.12% | -1 bps | |
| Allowance / Loans | 0.28% | 0.28% | 0.30% | 0.31% | 0.19% | 0.22% | 0.23% | 0.27% | -5 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 | 10.59% | 10.17% | 10.35% | 10.34% | 13.25% | 9.84% | 10.12% | 10.57% | +23 bps | |
| Total Risk-Based Capital | 12.34% | 11.93% | 12.04% | 11.99% | 11.24% | 11.46% | 11.87% | 12.41% | +42 bps | |
| Equity / Assets | 14.68% | 13.99% | 14.09% | 13.82% | 14.44% | 14.66% | 15.01% | 15.35% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.79% | 92.25% | 92.88% | 94.22% | 98.24% | 101.23% | 100.47% | 100.29% | +607 bps | |
| Liquid Assets / Assets | 2.19% | 2.25% | 1.45% | 2.03% | 0.86% | 0.96% | 1.46% | 1.02% | -101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |