Raleigh, NC · Cert 35100
FDIC · 3 branches
Q4 2017
Market Position · Raleigh, NC · 2017 SOD (annual) · 3.0% share · #8 of 35 inst. · $0.8B of $27.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 1.05% | 0.99% | 1.02% | 0.94% | 0.98% | 1.05% | 0.72% | -30 bps | |
| Return on Equity | 10.11% | 10.95% | 9.78% | 10.13% | 9.38% | 9.85% | 10.96% | 7.67% | -247 bps | |
| Net Interest Margin | 3.26% | 3.32% | 3.31% | 3.39% | 3.22% | 3.31% | 3.36% | 3.36% | -3 bps | |
| Efficiency Ratio | 59.22% | 53.62% | 53.83% | 53.75% | 56.97% | 52.79% | 49.66% | 58.65% | +490 bps | |
| Non-Interest Burden | 1.91% | 1.74% | 1.73% | 1.80% | 1.78% | 1.69% | 1.64% | 1.95% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.62% | 10.84% | 8.67% | 15.13% | 15.48% | 12.85% | 17.83% | 17.31% | +218 bps | |
| Loan Growth (YoY) | 10.66% | 11.62% | 16.73% | 17.26% | 17.82% | 21.25% | 19.31% | 21.28% | +402 bps | |
| Deposit Growth (YoY) | 10.58% | 7.57% | 13.72% | 19.43% | 20.90% | 7.19% | 7.26% | 9.07% | -1,035 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% | 0.03% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | -0.11% | -0.02% | 0.16% | 0.07% | -0.02% | -0.04% | -0.02% | -0.01% | -8 bps | |
| Allowance / Loans | 0.76% | 0.72% | 0.68% | 0.66% | 0.66% | 0.67% | 0.68% | 0.66% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 16.3x | 18.1x | 20.1x | 36.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.29% | 10.61% | 10.42% | 10.37% | 10.13% | 10.14% | 9.87% | 9.69% | -68 bps | |
| Total Risk-Based Capital | 11.62% | 13.48% | 13.11% | 12.99% | 12.73% | 12.18% | 12.02% | 11.73% | -126 bps | |
| Equity / Assets | 9.03% | 10.10% | 10.15% | 10.06% | 10.03% | 9.80% | 9.45% | 9.45% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.55% | 100.04% | 96.82% | 101.30% | 97.02% | 113.17% | 107.70% | 112.64% | +1,134 bps | |
| Liquid Assets / Assets | 1.70% | 5.05% | 3.99% | 2.55% | 3.35% | 0.82% | 4.56% | 3.03% | +47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |