Greensboro, NC · Cert 34348
FDIC · 8 branches
Q4 2016
Market Position · Greensboro-High Point, NC · 2016 SOD (annual) · 4.6% share · #7 of 23 inst. · $0.5B of $11.8B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.99% | 0.95% | 0.87% | 0.68% | 0.85% | 0.89% | 0.86% | -1 bps | |
| Return on Equity | 10.66% | 10.73% | 10.16% | 9.22% | 6.94% | 8.63% | 8.95% | 8.54% | -68 bps | |
| Net Interest Margin | 3.43% | 3.37% | 3.45% | 3.44% | 3.32% | 3.38% | 3.35% | 3.37% | -7 bps | |
| Efficiency Ratio | 71.95% | 70.80% | 71.48% | 74.00% | 80.70% | 76.52% | 75.79% | 76.27% | +227 bps | |
| Non-Interest Burden | 1.90% | 1.75% | 1.84% | 2.04% | 2.43% | 2.22% | 2.14% | 2.20% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.20% | 2.10% | 2.98% | 3.07% | -0.78% | 3.37% | 2.94% | 0.74% | -232 bps | |
| Loan Growth (YoY) | 10.94% | 3.48% | 0.37% | -1.29% | -7.57% | 0.44% | 5.65% | 4.85% | +613 bps | |
| Deposit Growth (YoY) | 8.54% | 3.06% | 2.09% | 2.47% | -3.33% | 1.09% | 0.84% | -1.49% | -396 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 | -0.10% | 0.59% | 0.06% | 0.34% | -0.08% | 0.10% | 0.03% | 0.03% | -31 bps | |
| Allowance / Loans | 1.31% | 1.09% | 1.46% | 1.16% | 1.22% | 1.05% | 1.06% | 1.07% | -9 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 | 9.20% | 9.24% | 9.65% | 9.71% | 9.74% | 9.94% | 10.10% | 10.30% | +59 bps | |
| Total Risk-Based Capital | 13.50% | 13.21% | 13.90% | 13.81% | 14.40% | 13.82% | 13.98% | 14.12% | +31 bps | |
| Equity / Assets | 9.02% | 9.58% | 9.75% | 9.70% | 9.84% | 10.10% | 10.29% | 10.45% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.00% | 89.25% | 86.19% | 82.76% | 81.27% | 88.68% | 90.30% | 88.08% | +532 bps | |
| Liquid Assets / Assets | 11.66% | 7.98% | 11.04% | 14.39% | 17.25% | 11.12% | 10.84% | 13.14% | -125 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |