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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.04% | 0.88% | 1.00% | 1.10% | 0.95% | 0.98% | 1.02% | +2 bps | |
| Return on Equity | 8.97% | 9.73% | 8.12% | 9.16% | 10.11% | 8.55% | 8.34% | 8.16% | -100 bps | |
| Net Interest Margin | 3.75% | 3.72% | 3.62% | 3.64% | 3.42% | 3.42% | 3.54% | 3.46% | -18 bps | |
| Efficiency Ratio | 58.00% | 57.04% | 61.16% | 56.98% | 52.35% | 56.35% | 57.35% | 56.45% | -53 bps | |
| Non-Interest Burden | 2.21% | 2.03% | 2.21% | 2.01% | 1.72% | 1.85% | 1.97% | 1.85% | -17 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 | 0.12% | -0.08% | 0.36% | -0.01% | 0.13% | -0.01% | 0.98% | 0.66% | +66 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 |