Wilkesboro, NC · Cert 58659
FDIC · 3 branches
Q2 2018
Market Position · Winston-Salem, NC · 2018 SOD (annual) · 0.1% share · #18 of 19 inst. · $0.0B of $33.6B
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.80% | 0.55% | 0.55% | 0.56% | 0.34% | 0.23% | -1.05% | -160 bps | |
| Return on Equity | 5.76% | 7.91% | 5.75% | 5.83% | 6.02% | 3.76% | 2.64% | -12.46% | -1,829 bps | |
| Net Interest Margin | 3.16% | 3.16% | 2.96% | 2.87% | 2.85% | 2.83% | 3.17% | 3.20% | +34 bps | |
| Efficiency Ratio | 66.47% | 62.77% | 71.93% | 70.46% | 69.90% | 72.56% | 85.90% | 135.58% | +6,512 bps | |
| Non-Interest Burden | 2.06% | 1.84% | 2.09% | 1.98% | 1.95% | 2.01% | 2.70% | 4.39% | +241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.96% | 12.61% | 15.27% | 20.30% | 23.75% | 17.56% | 11.40% | 8.55% | -1,175 bps | |
| Loan Growth (YoY) | 21.90% | 14.22% | 6.93% | 8.46% | 8.85% | 18.55% | 20.72% | 14.30% | +584 bps | |
| Deposit Growth (YoY) | 9.07% | 11.64% | 14.69% | 20.30% | 25.52% | 19.81% | 12.75% | 9.44% | -1,087 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.35% | 1.23% | 1.14% | 1.33% | 1.25% | 1.03% | -19 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.30% | 1.30% | 1.31% | 1.30% | 1.26% | 1.25% | 1.27% | 1.26% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.0x | 1.1x | 1.1x | 0.9x | 1.0x | 1.2x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.17% | 10.15% | 9.78% | 9.26% | 9.05% | 8.41% | 8.71% | 8.19% | -107 bps | |
| Total Risk-Based Capital | 16.08% | 15.93% | 17.28% | 16.66% | 16.64% | 14.75% | 15.21% | 14.73% | -193 bps | |
| Equity / Assets | 10.15% | 9.96% | 9.34% | 9.06% | 8.81% | 8.72% | 8.54% | 8.03% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.46% | 79.27% | 72.35% | 71.91% | 72.37% | 78.43% | 77.47% | 75.11% | +320 bps | |
| Liquid Assets / Assets | 14.99% | 19.86% | 25.61% | 26.45% | 26.52% | 21.60% | 22.35% | 23.95% | -250 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |