Wilson, NC · Cert 35284
FDIC · 1 branch
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.69% | 0.73% | -1.37% | 0.69% | +5 bps | |
| Return on Equity | 5.73% | 5.98% | 5.97% | -11.17% | 5.51% | -22 bps | |
| Net Interest Margin | 3.11% | 3.27% | 3.36% | 3.36% | 3.35% | +24 bps | |
| Efficiency Ratio | 74.92% | 75.15% | 75.98% | 69.99% | 75.81% | +89 bps | |
| Non-Interest Burden | 2.20% | 2.33% | 2.43% | 2.22% | 2.47% | +28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.05% | -1.70% | -1.71% | -7.15% | -14.33% | -2,037 bps | |
| Loan Growth (YoY) | 7.34% | 7.82% | 2.50% | 3.90% | -4.96% | -1,229 bps | |
| Deposit Growth (YoY) | 1.90% | -3.05% | -1.94% | -5.51% | -9.91% | -1,181 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.22% | 0.88% | 0.29% | 0.69% | 0.80% | -42 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.22% | -0.18% | 0.07% | -0.17% | -12 bps | |
| Allowance / Loans | 1.33% | 1.35% | 1.44% | 1.40% | 1.53% | +20 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.5x | 4.9x | 2.0x | 1.9x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.14% | 10.49% | 10.98% | 11.14% | 11.85% | +171 bps | |
| Total Risk-Based Capital | 17.01% | 17.14% | 17.52% | 17.92% | 19.06% | +205 bps | |
| Equity / Assets | 11.12% | 12.13% | 12.18% | 12.35% | 12.91% | +179 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.69% | 86.93% | 83.23% | 86.71% | 84.08% | +438 bps | |
| Liquid Assets / Assets | 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 |