Wilson, NC · Cert 35284
FDIC · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Wilson, NC · Cert 35284
FDIC · 1 branch
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.25% | 2.98% | 2.48% | 0.64% | 0.67% | 0.69% | 0.19% | 0.69% | +5 bps | |
| Return on Equity | 42.70% | 28.92% | 23.65% | 5.73% | 5.85% | 5.90% | 1.62% | 5.51% | -22 bps | |
| Net Interest Margin | 2.99% | 2.99% | 3.03% | 3.11% | 3.22% | 3.33% | 3.36% | 3.35% | +24 bps | |
| Efficiency Ratio | 83.46% | 82.88% | 84.29% | 74.92% | 75.04% | 75.35% | 74.02% | 75.81% | +89 bps | |
| Non-Interest Burden | 2.40% | 2.37% | 2.45% | 2.20% | 2.28% | 2.38% | 2.36% | 2.47% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.60% | 1.87% | 4.10% | 6.05% | -1.70% | -1.71% | -7.15% | -14.33% | -2,037 bps | |
| Loan Growth (YoY) | 17.17% | 12.22% | 4.72% | 7.34% | 7.82% | 2.50% | 3.90% | -4.96% | -1,229 bps | |
| Deposit Growth (YoY) | -2.79% | -0.83% | 1.63% | 1.90% | -3.05% | -1.94% | -5.51% | -9.91% | -1,181 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.22% | 0.88% | 0.29% | 0.69% | 0.80% | -42 bps | |
| Net Charge-Offs / Loans | -0.13% | 0.29% | 0.20% | -0.04% | -0.13% | -0.15% | -0.09% | -0.17% | -12 bps | |
| Allowance / Loans | 1.66% | 1.34% | 1.36% | 1.33% | 1.35% | 1.44% | 1.40% | 1.53% | +20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.1x | 1.5x | 4.9x | 2.0x | 1.9x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.93% | 9.96% | 10.19% | 10.14% | 10.49% | 10.98% | 11.14% | 11.85% | +171 bps | |
| Total Risk-Based Capital | 16.48% | 16.36% | 17.05% | 17.01% | 17.14% | 17.52% | 17.92% | 19.06% | +205 bps | |
| Equity / Assets | 11.31% | 11.35% | 11.29% | 11.12% | 12.13% | 12.18% | 12.35% | 12.91% | +179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.16% | 79.63% | 78.86% | 79.69% | 86.93% | 83.23% | 86.71% | 84.08% | +438 bps | |
| Liquid Assets / Assets | 6.99% | 4.48% | 4.86% | 3.00% | 3.27% | 6.96% | 3.05% | 1.12% | -188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |