Asheboro, NC · Cert 4879
FDIC · 45 branches
Q3 2016
Market Position · Hickory-Lenoir-Morganton, NC · 2016 SOD (annual) · 13.3% share · #5 of 18 inst. · $0.6B of $4.4B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.45% | 0.79% | 0.76% | 0.61% | +13 bps | |
| Return on Equity | 3.33% | 3.20% | 5.67% | 5.38% | 4.24% | +91 bps | |
| Net Interest Margin | 3.15% | 3.08% | 3.20% | 3.27% | 3.30% | +14 bps | |
| Efficiency Ratio | 79.31% | 81.10% | 69.71% | 68.96% | 68.92% | -1,039 bps | |
| Non-Interest Burden | 2.28% | 2.29% | 1.87% | 1.90% | 1.95% | -33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.62% | 8.17% | 6.94% | 2.90% | -0.16% | -1,678 bps | |
| Loan Growth (YoY) | 15.61% | 13.86% | 8.92% | 5.59% | 1.14% | -1,447 bps | |
| Deposit Growth (YoY) | 7.94% | 8.24% | 8.06% | 3.16% | 0.54% | -740 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.14% | 0.11% | 0.19% | 0.21% | +11 bps | |
| Allowance / Loans | 1.13% | 0.98% | 0.93% | 0.90% | 0.85% | -28 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.53% | 9.30% | 9.62% | 10.00% | 10.30% | +77 bps | |
| Total Risk-Based Capital | 14.04% | 13.48% | 13.57% | 13.98% | 14.30% | +26 bps | |
| Equity / Assets | 14.03% | 13.74% | 14.16% | 14.60% | 14.70% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.39% | 79.50% | 78.16% | 79.81% | 80.87% | +48 bps | |
| Liquid Assets / Assets | 6.68% | 6.83% | 7.84% | 7.12% | 7.13% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |