Waynesville, NC · Cert 58561
FDIC · 1 branch
Q1 2016
Market Position · Asheville, NC · 2015 SOD (annual) · 1.2% share · #14 of 20 inst. · $0.1B of $7.2B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.74% | 1.62% | 0.09% | 0.31% | 0.41% | 0.30% | -0.09% | -18 bps | |
| Return on Equity | 8.03% | 8.26% | 17.46% | 0.87% | 3.00% | 3.96% | 2.94% | -0.85% | -172 bps | |
| Net Interest Margin | 3.24% | 3.19% | 3.19% | 3.25% | 3.27% | 3.35% | 3.33% | 3.39% | +14 bps | |
| Efficiency Ratio | 75.65% | 75.41% | 76.14% | 79.09% | 79.39% | 78.75% | 83.38% | 97.06% | +1,797 bps | |
| Non-Interest Burden | 2.41% | 2.38% | 2.42% | 2.54% | 2.56% | 2.61% | 2.75% | 3.28% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.72% | 15.73% | 8.24% | 4.00% | 3.06% | 1.76% | 0.68% | -0.94% | -494 bps | |
| Loan Growth (YoY) | 10.69% | 20.23% | 17.38% | 14.83% | 10.09% | 2.36% | 0.75% | -0.32% | -1,515 bps | |
| Deposit Growth (YoY) | 9.66% | 10.59% | 6.91% | 2.45% | -0.17% | 0.40% | 0.40% | -1.49% | -394 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 | -0.07% | 0.46% | 0.55% | 1.47% | 0.74% | 0.43% | 0.32% | 0.15% | -132 bps | |
| Allowance / Loans | 2.51% | 1.97% | 1.70% | 1.54% | 1.61% | 1.65% | 1.55% | 1.51% | -3 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 | 9.48% | 9.69% | 9.75% | 9.75% | 10.00% | +52 bps | |
| Total Risk-Based Capital | 15.56% | 15.36% | 15.83% | 15.77% | 16.07% | 16.43% | 16.10% | 16.32% | +55 bps | |
| Equity / Assets | 9.32% | 9.15% | 10.25% | 10.48% | 10.32% | 10.34% | 10.44% | 10.87% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.75% | 68.92% | 72.17% | 73.58% | 72.51% | 70.26% | 72.42% | 74.45% | +88 bps | |
| Liquid Assets / Assets | 6.80% | 6.38% | 6.60% | 6.46% | 6.56% | 5.35% | 4.97% | 4.61% | -185 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |