Oxford, NC · Cert 58245
FDIC · 8 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Oxford, NC · Cert 58245
FDIC · 8 branches
Q2 2017
Market Position · Raleigh, NC · 2017 SOD (annual) · 0.5% share · #18 of 35 inst. · $0.1B of $27.1B
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.49% | 0.59% | 0.60% | 0.64% | 0.54% | 0.67% | 0.00% | -61 bps | |
| Return on Equity | 5.45% | 4.39% | 5.49% | 5.64% | 6.08% | 5.14% | 7.06% | -0.05% | -569 bps | |
| Net Interest Margin | 4.39% | 4.35% | 4.26% | 4.13% | 4.04% | 3.97% | 3.72% | 3.68% | -45 bps | |
| Efficiency Ratio | 78.90% | 78.46% | 76.75% | 75.92% | 75.09% | 78.96% | 68.72% | 76.23% | +31 bps | |
| Non-Interest Burden | 3.39% | 3.35% | 3.19% | 3.05% | 2.95% | 3.07% | 2.46% | 2.78% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.31% | 10.05% | 11.80% | 10.41% | 13.16% | 12.96% | 23.84% | 10.46% | +5 bps | |
| Loan Growth (YoY) | 6.00% | 6.75% | 9.88% | 10.81% | 11.20% | 14.33% | 12.52% | 7.30% | -352 bps | |
| Deposit Growth (YoY) | 10.67% | 9.51% | 11.17% | 9.95% | 12.75% | 11.41% | 31.05% | 19.00% | +906 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.76% | 0.27% | +27 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.28% | 0.01% | 0.02% | 0.11% | 0.19% | 0.33% | 1.02% | +100 bps | |
| Allowance / Loans | 1.14% | 1.21% | 1.21% | 1.22% | 1.15% | 1.14% | 1.12% | 1.23% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.5x | 4.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.02% | 10.95% | 10.80% | 10.41% | 10.26% | 10.08% | 9.47% | 9.22% | -119 bps | |
| Total Risk-Based Capital | 14.89% | 14.39% | 13.94% | 13.72% | 13.67% | 12.90% | 13.11% | 13.25% | -46 bps | |
| Equity / Assets | 11.07% | 11.05% | 10.52% | 10.47% | 10.27% | 10.16% | 8.84% | 9.56% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.71% | 96.00% | 93.88% | 95.66% | 92.42% | 98.51% | 80.61% | 86.25% | -941 bps | |
| Liquid Assets / Assets | 0.03% | 0.01% | 2.40% | 0.02% | 0.05% | 0.04% | 0.02% | 0.13% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |