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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.00% | 0.95% | 0.97% | 0.98% | +1 bps | |
| Return on Equity | 9.01% | 9.29% | 8.55% | 8.44% | 8.34% | -66 bps | |
| Net Interest Margin | 3.60% | 3.43% | 3.42% | 3.52% | 3.60% | 0 bps | |
| Efficiency Ratio | 58.34% | 56.84% | 56.35% | 56.85% | 56.72% | -162 bps | |
| Non-Interest Burden | 2.05% | 1.90% | 1.85% | 1.93% | 1.96% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.91% | 7.60% | 2.38% | -3.69% | -10.32% | -2,224 bps | |
| Loan Growth (YoY) | 6.30% | 4.58% | 1.11% | -2.18% | -8.43% | -1,474 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.10% | -0.01% | 0.49% | 0.56% | +47 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 10.36% | 10.83% | 11.46% | n/a | |
| Total Risk-Based Capital | 14.40% | 14.29% | 13.84% | 14.38% | 15.40% | +100 bps | |
| Equity / Assets | 10.92% | 10.79% | 11.53% | 12.04% | 12.97% | +205 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.77% | 79.20% | 83.17% | 84.46% | 85.24% | +348 bps | |
| Liquid Assets / Assets | 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 |