Washington, NC · Cert 31084
FDIC · 28 branches
Q3 2017
Market Position · Rocky Mount, NC · 2017 SOD (annual) · 5.1% share · #7 of 11 inst. · $0.1B of $2.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.86% | 0.79% | 0.84% | 1.15% | +32 bps | |
| Return on Equity | 8.26% | 8.75% | 8.25% | 8.85% | 12.06% | +379 bps | |
| Net Interest Margin | 3.52% | 3.48% | 3.50% | 3.57% | 3.71% | +19 bps | |
| Efficiency Ratio | 72.55% | 72.65% | 73.51% | 70.78% | 64.33% | -822 bps | |
| Non-Interest Burden | 2.16% | 2.18% | 2.24% | 2.15% | 1.94% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.87% | 4.73% | 10.60% | 10.39% | 8.95% | +108 bps | |
| Loan Growth (YoY) | 20.73% | 15.51% | 13.74% | 16.16% | 13.74% | -700 bps | |
| Deposit Growth (YoY) | 9.81% | 7.46% | 12.44% | 12.86% | 10.05% | +24 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.38% | 0.32% | 0.29% | +29 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.00% | 0.03% | -0.05% | -8 bps | |
| Allowance / Loans | 1.23% | 1.23% | 1.23% | 1.20% | 1.22% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 3.2x | 3.7x | 4.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.89% | 8.89% | 8.89% | 8.84% | 8.96% | +7 bps | |
| Total Risk-Based Capital | 13.10% | 13.01% | 12.79% | 12.57% | 12.95% | -15 bps | |
| Equity / Assets | 9.92% | 9.71% | 9.47% | 9.48% | 9.61% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.07% | 80.89% | 79.20% | 83.95% | 82.75% | +268 bps | |
| Liquid Assets / Assets | 3.85% | 2.35% | 4.72% | 1.61% | 3.44% | -41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |