Dunn, NC · Cert 35465
FDIC · 21 branches
Q3 2021
Market Position · Fayetteville, NC · 2021 SOD (annual) · 6.3% share · #6 of 17 inst. · $0.4B of $6.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 0.45% | 0.28% | 0.64% | 0.98% | 1.52% | 1.38% | 1.50% | +86 bps | |
| Return on Equity | 7.15% | 2.89% | 2.01% | 5.40% | 8.32% | 13.02% | 12.03% | 12.59% | +720 bps | |
| Net Interest Margin | 3.90% | 3.81% | 3.27% | 3.25% | 3.74% | 3.76% | 3.57% | 3.80% | +55 bps | |
| Efficiency Ratio | 62.87% | 67.24% | 74.43% | 64.00% | 65.43% | 54.80% | 55.63% | 52.00% | -1,200 bps | |
| Non-Interest Burden | 2.32% | 2.43% | 2.34% | 1.96% | 2.33% | 1.87% | 1.82% | 1.81% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.29% | 1.71% | 22.96% | 39.09% | 35.25% | 44.60% | 15.44% | 3.15% | -3,594 bps | |
| Loan Growth (YoY) | 4.49% | 4.94% | 25.61% | 26.53% | 26.73% | 29.31% | 6.54% | 0.55% | -2,599 bps | |
| Deposit Growth (YoY) | -0.03% | 1.70% | 27.55% | 47.09% | 47.81% | 59.05% | 20.22% | 5.82% | -4,127 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.70% | 0.81% | 0.74% | 0.72% | 0.58% | 0.58% | 0.63% | 0.32% | -40 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.15% | 0.04% | -0.05% | 0.04% | 0.02% | 0.00% | -4 bps | |
| Allowance / Loans | 0.81% | 1.02% | 0.96% | 1.05% | 1.08% | 0.98% | 0.95% | 0.97% | -8 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 1.3x | 1.5x | 1.9x | 1.7x | 1.5x | 3.0x | +1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.59% | 13.90% | 10.44% | 9.58% | 9.25% | 9.76% | 9.57% | 10.00% | +42 bps | |
| Total Risk-Based Capital | 15.69% | 15.92% | 12.97% | 13.00% | 12.43% | 12.19% | 12.50% | 13.21% | +21 bps | |
| Equity / Assets | 15.43% | 15.72% | 12.33% | 11.45% | 11.99% | 11.34% | 11.60% | 12.21% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.56% | 103.88% | 92.38% | 86.37% | 87.08% | 84.45% | 81.87% | 82.07% | -430 bps | |
| Liquid Assets / Assets | 4.00% | 2.82% | 9.73% | 14.14% | 5.07% | 7.35% | 9.64% | 9.13% | -502 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |