Greensboro, NC · Cert 58754
FDIC · 1 branch
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Greensboro, NC · Cert 58754
FDIC · 1 branch
Q4 2014
Market Position · Greensboro-High Point, NC · 2014 SOD (annual) · 1.2% share · #16 of 24 inst. · $0.1B of $11.0B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.53% | 0.54% | 1.55% | 0.06% | 0.02% | 0.12% | 0.05% | -150 bps | |
| Return on Equity | 3.52% | 5.48% | 5.65% | 16.23% | 0.59% | 0.20% | 1.15% | 0.47% | -1,576 bps | |
| Net Interest Margin | 2.63% | 2.62% | 2.66% | 2.66% | 2.67% | 2.63% | 2.54% | 2.58% | -8 bps | |
| Efficiency Ratio | 92.69% | 89.06% | 88.16% | 89.77% | 97.17% | 99.14% | 94.92% | 95.38% | +562 bps | |
| Non-Interest Burden | 2.31% | 2.11% | 2.12% | 2.21% | 2.55% | 2.60% | 2.32% | 2.37% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.79% | 9.84% | 3.59% | 13.24% | 4.41% | 8.41% | 8.32% | -6.31% | -1,955 bps | |
| Loan Growth (YoY) | 25.05% | 17.29% | 1.95% | -6.70% | -6.00% | -1.27% | 2.95% | 7.13% | +1,383 bps | |
| Deposit Growth (YoY) | 23.19% | 12.26% | 10.26% | 19.00% | 3.09% | 7.94% | 7.25% | -9.24% | -2,825 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 | -0.02% | -0.01% | -0.05% | -0.04% | 0.00% | 0.00% | 0.12% | 0.09% | +13 bps | |
| Allowance / Loans | 1.28% | 1.27% | 1.41% | 1.47% | 1.46% | 1.35% | 1.28% | 1.29% | -18 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 | 15.32% | 15.33% | 15.57% | 16.21% | 16.30% | 15.89% | 15.78% | 15.79% | -42 bps | |
| Equity / Assets | 9.78% | 9.33% | 9.42% | 9.38% | 10.35% | 10.13% | 10.22% | 10.53% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.30% | 86.24% | 80.79% | 66.78% | 75.95% | 78.88% | 77.55% | 78.82% | +1,205 bps | |
| Liquid Assets / Assets | 8.56% | 5.82% | 6.91% | 14.89% | 7.39% | 5.93% | 6.33% | 5.58% | -931 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |