Roanoke Rapids, NC · Cert 29485
FDIC · 1 branch
Q3 2018
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.12% | 0.42% | 0.44% | 0.31% | +24 bps | |
| Return on Equity | 0.26% | 0.46% | 1.55% | 1.63% | 1.13% | +87 bps | |
| Net Interest Margin | 1.98% | 2.02% | 2.23% | 2.29% | 2.40% | +42 bps | |
| Efficiency Ratio | 98.14% | 95.17% | 81.41% | 80.84% | 87.02% | -1,112 bps | |
| Non-Interest Burden | 1.94% | 1.93% | 1.82% | 1.85% | 2.09% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.31% | -2.80% | -2.38% | -2.79% | -4.92% | -161 bps | |
| Loan Growth (YoY) | -6.07% | -6.52% | -4.01% | -4.69% | -5.00% | +107 bps | |
| Deposit Growth (YoY) | -4.39% | -3.82% | -3.13% | -3.63% | -6.48% | -209 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.60% | 1.62% | 1.62% | 1.66% | 0.42% | -118 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.09% | 0.00% | 0.00% | 0.00% | -11 bps | |
| Allowance / Loans | 1.38% | 1.41% | 1.41% | 1.45% | 1.45% | +7 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.9x | 0.9x | 3.4x | +2.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 26.72% | 26.89% | 27.05% | 27.26% | 27.90% | +118 bps | |
| Total Risk-Based Capital | 61.64% | 62.28% | 62.29% | 63.57% | 65.26% | +362 bps | |
| Equity / Assets | 26.81% | 26.80% | 26.74% | 27.03% | 28.04% | +123 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.96% | 54.93% | 54.88% | 53.99% | 56.85% | +88 bps | |
| Liquid Assets / Assets | 38.62% | 38.49% | 36.86% | 37.68% | 35.59% | -303 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |