Durham, NC · Cert 58021
FDIC · 1 branch
Q3 2015
Market Position · Durham-Chapel Hill, NC · 2015 SOD (annual) · 31.9% share · #1 of 19 inst. · $3.6B of $11.2B
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.34% | 1.23% | 1.24% | 1.27% | 1.08% | 1.12% | 1.23% | -2 bps | |
| Return on Equity | 13.24% | 14.45% | 12.85% | 12.96% | 13.24% | 11.50% | 12.59% | 14.04% | +108 bps | |
| Net Interest Margin | 3.24% | 3.83% | 3.61% | 3.50% | 3.43% | 3.67% | 3.47% | 3.10% | -40 bps | |
| Efficiency Ratio | 53.26% | 51.55% | 52.78% | 52.13% | 50.84% | 49.74% | 50.26% | 49.87% | -226 bps | |
| Non-Interest Burden | 1.24% | 1.40% | 1.47% | 1.42% | 1.35% | 1.41% | 1.38% | 1.22% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.01% | 24.96% | 26.42% | 37.91% | 33.25% | 34.92% | 42.25% | 35.14% | -277 bps | |
| Loan Growth (YoY) | 25.47% | 32.75% | 27.14% | 24.79% | 24.34% | 39.32% | 31.64% | 23.84% | -96 bps | |
| Deposit Growth (YoY) | 38.58% | 23.46% | 25.78% | 42.60% | 32.26% | 37.37% | 45.88% | 38.03% | -457 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.81% | 0.85% | 0.51% | 0.44% | 0.60% | 0.98% | 0.93% | 0.63% | +19 bps | |
| Allowance / Loans | 1.73% | 1.80% | 1.87% | 1.79% | 1.70% | 1.67% | 1.65% | 1.86% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 9.32% | 8.82% | 7.90% | n/a | |
| Total Risk-Based Capital | 12.97% | 15.61% | 15.56% | 14.54% | 14.61% | 12.40% | 12.82% | 12.94% | -160 bps | |
| Equity / Assets | 8.19% | 10.32% | 10.09% | 9.64% | 9.50% | 9.29% | 8.13% | 8.27% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.40% | 48.43% | 47.09% | 47.65% | 48.32% | 49.12% | 42.49% | 42.75% | -490 bps | |
| Liquid Assets / Assets | 10.00% | 13.31% | 14.23% | 13.58% | 12.08% | 13.84% | 19.00% | 17.53% | +395 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |