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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | -4.92% | 0.62% | 1.01% | 0.62% | -28 bps | |
| Return on Equity | 33.18% | -70.76% | 5.38% | 8.25% | 4.73% | -2,845 bps | |
| Net Interest Margin | 2.58% | 2.91% | 3.15% | 3.17% | 3.35% | +77 bps | |
| Efficiency Ratio | 110.27% | 228% | 88.64% | 90.29% | 96.27% | -1,400 bps | |
| Non-Interest Burden | 2.88% | 7.10% | 2.75% | 2.82% | 3.22% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.25% | -7.34% | -8.96% | -15.06% | -19.23% | -1,898 bps | |
| Loan Growth (YoY) | 3.69% | 1.15% | 0.04% | 0.28% | -0.88% | -457 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.96% | -0.80% | -0.22% | -0.13% | -0.14% | -110 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 12.30% | 13.19% | n/a | |
| Total Risk-Based Capital | 5.96% | 15.72% | 16.16% | 17.74% | 18.01% | +1,205 bps | |
| Equity / Assets | 3.05% | 11.15% | 11.74% | 12.72% | 13.50% | +1,045 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.04% | 80.43% | 82.30% | 88.31% | 93.08% | +1,704 bps | |
| Liquid Assets / Assets | 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 |