Greenville, NC · Cert 35163
FDIC · 5 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 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.
Greenville, NC · Cert 35163
FDIC · 5 branches
Q3 2015
Market Position · Raleigh, NC · 2015 SOD (annual) · 1.3% share · #14 of 34 inst. · $0.3B of $24.6B
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 1.04% | 0.96% | 0.97% | 1.00% | 0.95% | 0.97% | 0.98% | +1 bps | |
| Return on Equity | 8.10% | 9.73% | 8.92% | 9.01% | 9.29% | 8.55% | 8.44% | 8.34% | -66 bps | |
| Net Interest Margin | 3.52% | 3.72% | 3.62% | 3.60% | 3.43% | 3.42% | 3.52% | 3.60% | 0 bps | |
| Efficiency Ratio | 60.80% | 57.04% | 59.05% | 58.34% | 56.84% | 56.35% | 56.85% | 56.72% | -162 bps | |
| Non-Interest Burden | 2.12% | 2.03% | 2.10% | 2.05% | 1.90% | 1.85% | 1.93% | 1.96% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.65% | 17.09% | 8.16% | 11.91% | 7.60% | 2.38% | -3.69% | -10.32% | -2,224 bps | |
| Loan Growth (YoY) | 11.14% | 12.26% | 10.24% | 6.30% | 4.58% | 1.11% | -2.18% | -8.43% | -1,474 bps | |
| Deposit Growth (YoY) | 19.13% | 18.32% | 8.21% | 12.46% | 8.49% | 2.71% | -4.42% | -12.17% | -2,463 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 | 0.02% | -0.08% | 0.14% | 0.09% | 0.10% | -0.01% | 0.49% | 0.56% | +47 bps | |
| Allowance / Loans | 1.98% | 1.97% | 1.85% | 1.84% | 1.80% | 1.83% | 1.62% | 1.56% | -29 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 | 10.36% | 10.83% | 11.46% | n/a | |
| Total Risk-Based Capital | 13.95% | 14.29% | 14.17% | 14.40% | 14.29% | 13.84% | 14.38% | 15.40% | +100 bps | |
| Equity / Assets | 10.52% | 10.94% | 10.86% | 10.92% | 10.79% | 11.53% | 12.04% | 12.97% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.17% | 84.48% | 82.53% | 81.77% | 79.20% | 83.17% | 84.46% | 85.24% | +348 bps | |
| Liquid Assets / Assets | 5.22% | 5.21% | 5.91% | 6.86% | 9.63% | 7.05% | 5.45% | 5.09% | -177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |