Roanoke Rapids, NC · Cert 29485
FDIC · 1 branch
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 0.16% | 0.27% | -0.23% | 0.28% | 0.42% | 0.46% | 0.03% | +27 bps | |
| Return on Equity | -0.08% | 0.63% | 1.04% | -0.87% | 1.04% | 1.55% | 1.72% | 0.13% | +100 bps | |
| Net Interest Margin | 1.68% | 1.88% | 1.97% | 2.04% | 2.09% | 2.23% | 2.34% | 2.50% | +46 bps | |
| Efficiency Ratio | 101.28% | 91.28% | 86.11% | 116.22% | 86.70% | 81.41% | 80.29% | 98.62% | -1,760 bps | |
| Non-Interest Burden | 1.70% | 1.72% | 1.70% | 2.37% | 1.81% | 1.82% | 1.88% | 2.47% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.62% | -1.72% | -2.52% | -3.31% | -2.80% | -2.38% | -2.79% | -4.92% | -161 bps | |
| Loan Growth (YoY) | -7.39% | -7.30% | -8.72% | -6.07% | -6.52% | -4.01% | -4.69% | -5.00% | +107 bps | |
| Deposit Growth (YoY) | -3.42% | -2.12% | -3.22% | -4.39% | -3.82% | -3.13% | -3.63% | -6.48% | -209 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.59% | 1.60% | 1.60% | 1.62% | 1.62% | 1.66% | 0.42% | -118 bps | |
| Net Charge-Offs / Loans | 0.89% | 0.33% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.40% | 1.35% | 1.38% | 1.38% | 1.41% | 1.41% | 1.45% | 1.45% | +7 bps | |
| Allowance Coverage of NPLs | n/a | 0.8x | 0.9x | 0.9x | 0.9x | 0.9x | 0.9x | 3.4x | +2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 26.13% | 26.36% | 26.52% | 26.72% | 26.89% | 27.05% | 27.26% | 27.90% | +118 bps | |
| Total Risk-Based Capital | 59.44% | 59.98% | 61.11% | 61.64% | 62.28% | 62.29% | 63.57% | 65.26% | +362 bps | |
| Equity / Assets | 26.06% | 26.22% | 26.46% | 26.81% | 26.80% | 26.74% | 27.03% | 28.04% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.52% | 55.39% | 54.59% | 55.96% | 54.93% | 54.88% | 53.99% | 56.85% | +88 bps | |
| Liquid Assets / Assets | 38.34% | 38.07% | 39.77% | 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 | n/a | n/a | n/a |