Charlotte, NC · Cert 57888
FDIC · 2 branches
Q2 2018
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2018 SOD (annual) · 0.1% share · #19 of 40 inst. · $0.3B of $215.3B
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.23% | 0.32% | 0.42% | 0.48% | 1.42% | 0.50% | 1.83% | +141 bps | |
| Return on Equity | 2.43% | 2.22% | 2.93% | 3.86% | 4.35% | 12.88% | 4.37% | 15.32% | +1,146 bps | |
| Net Interest Margin | 3.26% | 3.31% | 3.40% | 3.55% | 3.52% | 3.48% | 3.45% | 3.54% | 0 bps | |
| Efficiency Ratio | 92.94% | 93.61% | 91.52% | 89.17% | 87.50% | 86.24% | 87.30% | 84.83% | -433 bps | |
| Non-Interest Burden | 3.01% | 3.08% | 3.08% | 3.12% | 3.03% | 2.94% | 2.94% | 2.87% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.11% | 2.73% | 1.48% | -2.00% | -1.97% | 7.10% | 9.32% | 3.27% | +527 bps | |
| Loan Growth (YoY) | 0.12% | 0.26% | -0.59% | 6.36% | 7.01% | 12.87% | 11.43% | 4.58% | -178 bps | |
| Deposit Growth (YoY) | 2.19% | -0.36% | 1.50% | -0.43% | 1.71% | 8.80% | 9.30% | 6.73% | +716 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.26% | 0.00% | 0.11% | 0.10% | 0.08% | 0.13% | +13 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.10% | -0.17% | -0.11% | -0.09% | -0.08% | -0.01% | -0.01% | +10 bps | |
| Allowance / Loans | 1.41% | 1.43% | 1.48% | 1.40% | 1.39% | 1.19% | 1.21% | 1.10% | -30 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 5.7x | n/a | 12.8x | 11.5x | 14.5x | 8.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.17% | 10.60% | 10.87% | 11.19% | 11.02% | 11.26% | 11.06% | 11.33% | +14 bps | |
| Total Risk-Based Capital | 14.38% | 14.64% | 14.77% | 14.24% | 14.31% | 14.26% | 14.79% | 15.25% | +100 bps | |
| Equity / Assets | 10.16% | 10.75% | 10.83% | 11.05% | 11.05% | 11.53% | 11.39% | 12.98% | +192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.26% | 96.40% | 94.02% | 99.94% | 100.22% | 100.01% | 95.85% | 97.93% | -201 bps | |
| Liquid Assets / Assets | 15.30% | 11.75% | 11.83% | 7.38% | 7.39% | 7.44% | 11.82% | 12.89% | +551 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |