Cary, NC · Cert 35006
FDIC · 41 branches
Q2 2014
Market Position · Raleigh, NC · 2014 SOD (annual) · 3.0% share · #7 of 33 inst. · $0.7B of $23.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09%1 | 1.56% | -0.26% | 0.98% | 0.27% | 0.75% | 0.52% | 0.79% | -19 bps | |
| Return on Equity | 0.52% | 9.00% | -1.61% | 7.42% | 2.16% | 5.77% | 3.99% | 6.01% | -142 bps | |
| Net Interest Margin | 3.90% | 5.45% | 3.70% | 4.17% | 4.04% | 4.03% | 3.81% | 3.75% | -42 bps | |
| Efficiency Ratio | 90.40% | 94.49% | 100.37% | 91.84% | 74.87% | 70.22% | 74.44% | 69.73% | -2,211 bps | |
| Non-Interest Burden | 3.48% | 5.08% | 3.78% | 3.68% | 2.90% | 2.63% | 2.66% | 2.39% | -129 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.27% | 30.01% | 35.13% | 145.25% | 157.72% | 95.27% | 88.70% | 6.42% | -13,883 bps | |
| Loan Growth (YoY) | -11.45% | 40.08% | 54.75% | 163.02% | 148.32% | 79.31% | 73.42% | 2.52% | -16,050 bps | |
| Deposit Growth (YoY) | -7.57% | 28.68% | 36.28% | 149.88% | 156.04% | 92.10% | 83.79% | 1.52% | -14,836 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 | 0.59% | 0.38% | 0.20% | 0.18% | 0.20% | 0.21% | 0.32% | 0.07% | -11 bps | |
| Allowance / Loans | 0.41% | 0.51% | 0.69% | 0.48% | 0.52% | 0.50% | 0.52% | 0.54% | +6 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 | 15.20% | 14.96% | 14.58% | 11.11% | 12.66% | 12.70% | 12.85% | 13.12% | +201 bps | |
| Equity / Assets | 18.46% | 16.41% | 15.85% | 11.69% | 13.15% | 12.81% | 13.07% | 13.07% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.18% | 89.15% | 88.76% | 81.28% | 83.58% | 83.21% | 83.75% | 82.08% | +80 bps | |
| Liquid Assets / Assets | 0.16% | 0.71% | 0.35% | 2.90% | 2.37% | 3.42% | 2.19% | 3.73% | +84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |