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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 7.73% | 0.48% | 1.02% | 0.64% | 0.69% | 0.73% | -1.37% | 0.69% | +5 bps | |
| Return on Equity | 74.54% | 4.22% | 9.01% | 5.73% | 5.98% | 5.97% | -11.17% | 5.51% | -22 bps | |
| Net Interest Margin | 2.98% | 3.05% | 3.21% | 3.11% | 3.27% | 3.36% | 3.36% | 3.35% | +24 bps | |
| Efficiency Ratio | 86.97% | 81.79% | 88.27% | 74.92% | 75.15% | 75.98% | 69.99% | 75.81% | +89 bps | |
| Non-Interest Burden | 2.51% | 2.37% | 2.75% | 2.20% | 2.33% | 2.43% | 2.22% | 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 | -0.11% | 1.13% | -0.06% | -0.04% | -0.22% | -0.18% | 0.07% | -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 |