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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.32% | 0.20%1 | 0.46% | 12.14% | 0.51% | 0.43% | 0.43% | -3 bps | |
| Return on Equity | 5.17% | 3.05% | 1.92% | 4.47% | 103.08% | 3.95% | 3.32% | 3.20% | -127 bps | |
| Net Interest Margin | 3.32% | 3.07% | 3.08% | 3.32% | 3.21% | 3.28% | 3.41% | 3.23% | -9 bps | |
| Efficiency Ratio | 89.18% | 92.97% | 99.95% | 92.70% | 83.13% | 91.02% | 90.16% | 90.38% | -232 bps | |
| Non-Interest Burden | 2.75% | 2.76% | 3.08% | 2.95% | 2.36% | 2.92% | 2.98% | 2.80% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | 3.92% | 7.32% | 8.02% | 0.85% | 4.64% | 4.56% | -1.25% | -927 bps | |
| Loan Growth (YoY) | 10.00% | 13.42% | 4.39% | 10.23% | 4.49% | 4.08% | 6.23% | 7.71% | -251 bps | |
| Deposit Growth (YoY) | -2.59% | -3.19% | 8.12% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.26% | -0.48% | -0.13% | -0.02% | 1.21% | 1.29% | -0.08% | -0.01% | +1 bps | |
| Allowance / Loans | 2.28% | 2.36% | 2.47% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 15.79% | 15.99% | 16.70% | 17.14% | 17.40% | 17.43% | 17.92% | 17.69% | +55 bps | |
| Equity / Assets | 10.51% | 10.38% | 10.24% | 10.26% | 13.31% | 12.69% | 13.11% | 13.79% | +353 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.53% | 82.57% | 75.95% | 77.12% | 83.55% | 76.36% | 77.35% | 85.11% | +799 bps | |
| Liquid Assets / Assets | 15.06% | 14.63% | 11.53% | 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 | n/a | n/a | n/a |