Thomasville, NC · Cert 33527
FDIC · 71 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Thomasville, NC · Cert 33527
FDIC · 71 branches
Q1 2017
Market Position · Winston-Salem, NC · 2016 SOD (annual) · 4.8% share · #3 of 21 inst. · $1.8B of $38.1B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.07% | 1.07% | 1.10% | 1.07% | 1.10% | 1.06% | 0.96% | -13 bps | |
| Return on Equity | 9.46% | 9.35% | 9.21% | 9.16% | 8.82% | 9.01% | 8.53% | 7.26% | -190 bps | |
| Net Interest Margin | 3.86% | 3.37% | 3.35% | 3.64% | 3.55% | 3.33% | 3.17% | 3.45% | -19 bps | |
| Efficiency Ratio | 64.04% | 64.64% | 63.75% | 57.31% | 57.16% | 56.08% | 57.86% | 60.69% | +338 bps | |
| Non-Interest Burden | 2.30% | 2.01% | 1.97% | 1.88% | 1.80% | 1.65% | 1.62% | 1.82% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.14% | 39.17% | 39.22% | 36.63% | 51.46% | 30.87% | 30.53% | 32.81% | -381 bps | |
| Loan Growth (YoY) | 22.10% | 44.23% | 36.21% | 33.43% | 47.58% | 25.41% | 29.72% | 32.14% | -130 bps | |
| Deposit Growth (YoY) | 12.48% | 40.31% | 40.40% | 34.32% | 52.94% | 30.67% | 27.85% | 32.35% | -196 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | +33 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.01% | -0.02% | -0.03% | -0.04% | -0.02% | -0.05% | -3 bps | |
| Allowance / Loans | 0.93% | 0.77% | 0.75% | 0.76% | 0.70% | 0.72% | 0.68% | 0.70% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.1x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.49% | 9.37% | 9.80% | 9.72% | 10.51% | 9.75% | 10.45% | 10.37% | +64 bps | |
| Total Risk-Based Capital | 11.57% | 11.37% | 11.61% | 11.59% | 11.56% | 11.67% | 12.37% | 12.35% | +76 bps | |
| Equity / Assets | 11.20% | 11.93% | 11.90% | 12.08% | 12.48% | 12.20% | 13.26% | 13.29% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.53% | 91.59% | 88.65% | 89.26% | 90.25% | 87.90% | 89.95% | 89.11% | -15 bps | |
| Liquid Assets / Assets | 6.13% | 4.94% | 6.91% | 5.99% | 5.82% | 7.86% | 6.71% | 6.94% | +95 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |