Charlotte, NC · Cert 58516
FDIC · 4 branches
Q3 2017
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2017 SOD (annual) · 0.1% share · #25 of 42 inst. · $0.2B of $217.1B
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | 0.37% | 0.38% | 0.40% | 0.27% | 0.50% | 0.51% | 0.48% | +9 bps | |
| Return on Equity | -1.40% | 3.93% | 3.99% | 4.08% | 2.86% | 5.35% | 5.48% | 5.18% | +110 bps | |
| Net Interest Margin | 3.47% | 3.40% | 3.43% | 3.46% | 3.44% | 3.57% | 3.54% | 3.45% | -1 bps | |
| Efficiency Ratio | 105.37% | 88.16% | 87.88% | 87.59% | 89.93% | 83.48% | 81.27% | 80.92% | -667 bps | |
| Non-Interest Burden | 3.67% | 2.97% | 2.98% | 2.99% | 3.07% | 2.89% | 2.77% | 2.70% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.99% | 0.34% | 3.37% | 0.56% | 4.30% | 3.91% | 9.28% | 13.17% | +1,260 bps | |
| Loan Growth (YoY) | -5.27% | 0.06% | 6.12% | 11.62% | 13.62% | 14.14% | 16.45% | 10.27% | -135 bps | |
| Deposit Growth (YoY) | 0.64% | -0.11% | 2.25% | -0.79% | -0.20% | -0.44% | 4.32% | 9.04% | +983 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.57% | 0.76% | 0.69% | +69 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.19% | 0.42% | 0.24% | 0.17% | 0.01% | 0.00% | 0.05% | -19 bps | |
| Allowance / Loans | 1.30% | 1.23% | 1.09% | 1.11% | 1.06% | 1.04% | 1.07% | 1.15% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.8x | 1.4x | 1.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.67% | 8.74% | 8.88% | 8.95% | 8.97% | 8.80% | 8.70% | 8.47% | -49 bps | |
| Total Risk-Based Capital | 13.20% | 12.81% | 12.71% | 12.64% | 11.61% | 11.58% | 11.58% | 12.07% | -58 bps | |
| Equity / Assets | 9.54% | 9.36% | 9.94% | 9.89% | 9.32% | 9.32% | 9.42% | 9.04% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.97% | 86.08% | 89.81% | 91.53% | 97.87% | 98.68% | 100.25% | 92.56% | +103 bps | |
| Liquid Assets / Assets | 7.68% | 8.32% | 5.37% | 4.83% | 2.96% | 1.63% | 2.26% | 8.65% | +382 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |