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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | 0.75% | 0.85% | 1.03% | 1.10% | 0.50% | 1.36% | 1.34% | +30 bps | |
| Return on Equity | -1.67% | 8.13% | 8.69% | 9.94% | 10.38% | 4.47% | 11.38% | 10.84% | +90 bps | |
| Net Interest Margin | 3.90% | 3.68% | 3.69% | 3.80% | 3.92% | 3.91% | 3.98% | 3.91% | +11 bps | |
| Efficiency Ratio | 69.67% | 71.01% | 70.56% | 66.12% | 63.33% | 84.53% | 58.41% | 57.21% | -891 bps | |
| Non-Interest Burden | 2.61% | 2.52% | 2.56% | 2.41% | 2.38% | 3.29% | 2.21% | 2.08% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.45% | 16.77% | 20.61% | 16.12% | 16.81% | 38.99% | 31.22% | 33.94% | +1,782 bps | |
| Loan Growth (YoY) | 13.03% | 17.79% | 15.32% | 11.97% | 12.79% | 29.21% | 29.79% | 26.90% | +1,493 bps | |
| Deposit Growth (YoY) | 6.72% | 15.40% | 21.53% | 17.06% | 18.43% | 41.14% | 29.05% | 31.18% | +1,412 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.79% | 0.31% | 0.30% | 0.28% | 0.27% | 0.46% | 0.39% | 0.48% | +20 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.08% | 0.03% | -0.01% | -0.06% | -0.01% | 0.00% | 0.10% | +11 bps | |
| Allowance / Loans | 1.03% | 1.03% | 1.03% | 1.03% | 1.01% | 0.86% | 0.85% | 0.82% | -21 bps | |
| Allowance Coverage of NPLs | 1.3x | 3.4x | 3.5x | 3.7x | 3.8x | 1.9x | 2.2x | 1.7x | -2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.22% | 9.49% | 10.45% | 10.56% | 10.85% | 10.64% | 10.88% | 11.22% | +66 bps | |
| Total Risk-Based Capital | 11.08% | 11.41% | 13.14% | 13.19% | 13.34% | 13.25% | 13.47% | 13.86% | +67 bps | |
| Equity / Assets | 9.35% | 9.20% | 10.23% | 10.58% | 10.70% | 11.70% | 12.22% | 12.46% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.28% | 98.23% | 92.92% | 96.22% | 97.41% | 89.93% | 93.44% | 93.08% | -314 bps | |
| Liquid Assets / Assets | 1.27% | 4.31% | 7.88% | 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 | n/a | n/a | n/a |