Charlotte, NC · Cert 58134
FDIC · 1 branch
Q2 2014
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2014 SOD (annual) · 0.0% share · #32 of 49 inst. · $0.1B of $201.4B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.18%1 | 0.36% | 0.26% | 0.28% | 0.34% | 0.42% | 0.12% | -14 bps | |
| Return on Equity | 3.38% | 1.99% | 3.69% | 2.68% | 2.95% | 3.64% | 4.56% | 1.22% | -146 bps | |
| Net Interest Margin | 3.03% | 3.18% | 3.25% | 3.26% | 3.23% | 3.21% | 3.22% | 3.30% | +5 bps | |
| Efficiency Ratio | 91.36% | 97.11% | 89.29% | 93.18% | 92.41% | 92.53% | 89.58% | 96.61% | +343 bps | |
| Non-Interest Burden | 2.76% | 3.09% | 2.87% | 3.02% | 2.97% | 2.95% | 2.86% | 3.18% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.92% | -9.46% | -7.16% | -9.37% | -4.44% | -1.65% | -0.49% | -3.70% | +567 bps | |
| Loan Growth (YoY) | -10.19% | -8.73% | -0.38% | -5.92% | -3.78% | 2.51% | 0.10% | 2.43% | +835 bps | |
| Deposit Growth (YoY) | -12.28% | -8.99% | -0.32% | -6.71% | 11.59% | 2.91% | 5.84% | -2.22% | +449 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 | 0.46% | 0.50% | 0.30% | 0.52% | 0.53% | 0.41% | 0.09% | 0.18% | -34 bps | |
| Allowance / Loans | 2.05% | 2.10% | 1.98% | 1.87% | 1.72% | 1.64% | 1.60% | 1.55% | -32 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.85% | 13.11% | 12.84% | 13.05% | 12.98% | 12.92% | 13.06% | 13.20% | +15 bps | |
| Equity / Assets | 9.27% | 9.64% | 9.97% | 9.33% | 8.86% | 8.96% | 9.57% | 10.02% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.13% | 97.39% | 99.61% | 93.39% | 82.02% | 97.01% | 94.21% | 97.83% | +444 bps | |
| Liquid Assets / Assets | 7.60% | 5.38% | 1.67% | 1.64% | 2.68% | 1.65% | 2.22% | 1.84% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |