Asheville, NC · Cert 29663
FDIC · 13 branches
Q3 2017
Market Position · Asheville, NC · 2017 SOD (annual) · 7.8% share · #6 of 20 inst. · $0.6B of $7.6B
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.19%1 | 0.95% | 0.79% | -1.28% | -208 bps | |
| Return on Equity | 7.36% | 1.75% | 8.71% | 7.12% | -11.72% | -1,909 bps | |
| Net Interest Margin | 2.99% | 2.99% | 3.07% | 3.17% | 3.25% | +26 bps | |
| Efficiency Ratio | 72.37% | 95.74% | 68.43% | 71.22% | 147.83% | +7,546 bps | |
| Non-Interest Burden | 1.93% | 2.83% | 1.80% | 2.00% | 5.23% | +330 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.15% | 1.65% | 2.52% | -0.59% | 0.02% | -13 bps | |
| Loan Growth (YoY) | 5.24% | 4.69% | 1.60% | 1.13% | 2.60% | -264 bps | |
| Deposit Growth (YoY) | 0.69% | 2.71% | 8.50% | 5.66% | 5.91% | +522 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.09% | 0.09% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.02% | 0.01% | 0.00% | -5 bps | |
| Allowance / Loans | 1.07% | 1.07% | 1.08% | 1.08% | 1.08% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 11.6x | 12.0x | 17.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.35% | 10.94% | 11.23% | 11.47% | 10.57% | -77 bps | |
| Total Risk-Based Capital | 16.15% | 15.75% | 16.15% | 16.34% | 14.79% | -136 bps | |
| Equity / Assets | 10.83% | 10.80% | 11.00% | 11.32% | 10.47% | -36 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.80% | 94.03% | 89.08% | 90.76% | 90.87% | -293 bps | |
| Liquid Assets / Assets | 4.75% | 4.79% | 6.47% | 5.60% | 4.10% | -65 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |