Clover, SC · Cert 27055
FDIC · 2 branches
Q4 2018
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2018 SOD (annual) · 0.1% share · #27 of 40 inst. · $0.1B of $215.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.80% | 1.02% | 0.29% | 0.94% | 1.06% | 1.10% | 0.22% | -7 bps | |
| Return on Equity | 10.47% | 7.95% | 9.83% | 2.72% | 9.02% | 10.37% | 10.76% | 2.13% | -59 bps | |
| Net Interest Margin | 3.88% | 3.91% | 3.96% | 4.04% | 3.93% | 3.83% | 3.87% | 4.89% | +86 bps | |
| Efficiency Ratio | 73.00% | 78.15% | 72.47% | 77.14% | 77.05% | 74.36% | 72.67% | 90.69% | +1,355 bps | |
| Non-Interest Burden | 2.59% | 2.86% | 2.56% | 2.92% | 2.80% | 2.53% | 2.56% | 4.32% | +140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.35% | 8.14% | 0.27% | 0.70% | -3.26% | -4.32% | -2.55% | -1.10% | -180 bps | |
| Loan Growth (YoY) | 4.21% | 9.01% | 4.62% | 0.55% | -7.17% | -10.03% | -7.05% | -7.88% | -843 bps | |
| Deposit Growth (YoY) | 5.11% | 6.25% | -0.11% | 1.09% | -0.90% | -1.94% | -2.29% | -1.00% | -209 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.03% | 1.00% | 1.02% | 1.50% | 3.35% | 3.46% | 3.41% | 3.52% | +202 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.21% | 0.01% | 0.00% | 0.01% | 0.10% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.75% | 1.77% | 1.83% | 1.88% | 1.94% | 1.94% | 1.94% | 2.19% | +31 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.8x | 1.8x | 1.3x | 0.6x | 0.6x | 0.6x | 0.6x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.14% | 9.78% | 10.03% | 9.91% | 10.34% | 10.13% | 10.26% | 9.99% | +7 bps | |
| Total Risk-Based Capital | 16.09% | 16.06% | 16.52% | 16.64% | 16.69% | 16.81% | 17.23% | 17.33% | +69 bps | |
| Equity / Assets | 9.96% | 10.24% | 10.54% | 10.62% | 10.14% | 10.23% | 10.30% | 10.51% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.13% | 65.09% | 62.82% | 63.74% | 60.07% | 59.72% | 59.76% | 59.31% | -443 bps | |
| Liquid Assets / Assets | 6.14% | 7.85% | 7.46% | 5.93% | 7.86% | 8.86% | 8.16% | 8.95% | +302 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |