Mocksville, NC · Cert 34903
FDIC · 8 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Mocksville, NC · Cert 34903
FDIC · 8 branches
Q2 2015
Market Position · Winston-Salem, NC · 2015 SOD (annual) · 0.4% share · #10 of 22 inst. · $0.2B of $34.7B
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 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | -0.24% | -1.36% | -0.23% | -1.77% | -1.20% | 1.01% | 0.82% | +104 bps | |
| Return on Equity | 2.91% | -7.19% | -57.77% | -8.78% | -38.28% | -20.18% | 8.25% | 6.48% | +1,526 bps | |
| Net Interest Margin | 2.57% | 2.55% | 2.58% | 2.57% | 2.75% | 2.95% | 3.17% | 3.36% | +79 bps | |
| Efficiency Ratio | 118.78% | 117.16% | 112.32% | 111.29% | 152.04% | 135.27% | 90.29% | 93.23% | -1,806 bps | |
| Non-Interest Burden | 3.12% | 3.04% | 2.94% | 2.90% | 4.37% | 4.13% | 2.82% | 3.11% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.54% | -3.14% | -0.95% | -0.25% | -7.34% | -8.96% | -15.06% | -19.23% | -1,898 bps | |
| Loan Growth (YoY) | -0.77% | 3.01% | 3.31% | 3.69% | 1.15% | 0.04% | 0.28% | -0.88% | -457 bps | |
| Deposit Growth (YoY) | -4.90% | -1.83% | 0.88% | 0.21% | -4.34% | -7.66% | -14.76% | -19.02% | -1,923 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 | -0.67% | -0.42% | -0.05% | 0.46% | 0.03% | -0.03% | -0.13% | -0.14% | -59 bps | |
| Allowance / Loans | 2.23% | 2.16% | 2.56% | 1.84% | 1.84% | 1.84% | 1.73% | 1.62% | -23 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 | 12.30% | 13.19% | n/a | |
| Total Risk-Based Capital | 5.77% | 6.13% | 5.67% | 5.96% | 15.72% | 16.16% | 17.74% | 18.01% | +1,205 bps | |
| Equity / Assets | 3.33% | 2.33% | 2.38% | 3.05% | 11.15% | 11.74% | 12.72% | 13.50% | +1,045 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.07% | 75.97% | 75.07% | 76.04% | 80.43% | 82.30% | 88.31% | 93.08% | +1,704 bps | |
| Liquid Assets / Assets | 0.72% | 0.72% | 0.75% | 4.72% | 11.12% | 9.61% | 10.96% | 7.05% | +233 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |