Gibsonville, NC · Cert 32362
FDIC · 2 branches
Q3 2014
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.1% share · #52 of 100 inst. · $0.2B of $132.6B
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 3.28% | 0.51% | 0.47% | 0.46% | +14 bps | |
| Return on Equity | 3.14% | 30.02% | 3.95% | 3.64% | 3.49% | +35 bps | |
| Net Interest Margin | 3.20% | 3.28% | 3.28% | 3.29% | 3.32% | +12 bps | |
| Efficiency Ratio | 95.18% | 92.11% | 91.02% | 90.56% | 90.50% | -468 bps | |
| Non-Interest Burden | 2.97% | 2.89% | 2.92% | 2.90% | 2.91% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.02% | 0.85% | 4.64% | 4.56% | -1.25% | -927 bps | |
| Loan Growth (YoY) | 10.23% | 4.49% | 4.08% | 6.23% | 7.71% | -251 bps | |
| Deposit Growth (YoY) | 7.72% | -4.29% | 12.55% | 4.31% | -2.40% | -1,012 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.21% | 0.15% | 1.29% | 0.61% | 0.39% | +60 bps | |
| Allowance / Loans | 2.41% | 2.08% | 1.72% | 1.76% | 1.70% | -71 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.14% | 17.40% | 17.43% | 17.92% | 17.69% | +55 bps | |
| Equity / Assets | 10.26% | 13.31% | 12.69% | 13.11% | 13.79% | +353 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.12% | 83.55% | 76.36% | 77.35% | 85.11% | +799 bps | |
| Liquid Assets / Assets | 10.24% | 6.16% | 9.30% | 8.92% | 2.45% | -779 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |