Lincolnton, NC · Cert 57026
FDIC · 11 branches
Q3 2019
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2019 SOD (annual) · 0.2% share · #14 of 41 inst. · $0.4B of $206.3B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.95% | 0.50% | 0.98% | 1.11% | +22 bps | |
| Return on Equity | 9.02% | 9.42% | 4.47% | 8.43% | 9.39% | +38 bps | |
| Net Interest Margin | 3.61% | 3.67% | 3.91% | 3.92% | 3.91% | +30 bps | |
| Efficiency Ratio | 69.14% | 67.58% | 84.53% | 71.37% | 66.59% | -254 bps | |
| Non-Interest Burden | 2.42% | 2.40% | 3.29% | 2.73% | 2.51% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.12% | 16.81% | 38.99% | 31.22% | 33.94% | +1,782 bps | |
| Loan Growth (YoY) | 11.97% | 12.79% | 29.21% | 29.79% | 26.90% | +1,493 bps | |
| Deposit Growth (YoY) | 17.06% | 18.43% | 41.14% | 29.05% | 31.18% | +1,412 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.27% | 0.46% | 0.39% | 0.48% | +20 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | -0.01% | -0.01% | 0.03% | 0 bps | |
| Allowance / Loans | 1.03% | 1.01% | 0.86% | 0.85% | 0.82% | -21 bps | |
| Allowance Coverage of NPLs | 3.7x | 3.8x | 1.9x | 2.2x | 1.7x | -2.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.56% | 10.85% | 10.64% | 10.88% | 11.22% | +66 bps | |
| Total Risk-Based Capital | 13.19% | 13.34% | 13.25% | 13.47% | 13.86% | +67 bps | |
| Equity / Assets | 10.58% | 10.70% | 11.70% | 12.22% | 12.46% | +188 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.22% | 97.41% | 89.93% | 93.44% | 93.08% | -314 bps | |
| Liquid Assets / Assets | 6.01% | 4.74% | 5.09% | 3.14% | 4.89% | -111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |