Miami, FL · Cert 59049
FDIC · 190 branches
Q3 2017
Market Position · Raleigh, NC · 2017 SOD (annual) · 4.4% share · #6 of 35 inst. · $1.2B 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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.81% | 0.90% | 0.98% | 1.02% | +12 bps | |
| Return on Equity | 7.06% | 6.26% | 6.73% | 7.28% | 7.54% | +47 bps | |
| Net Interest Margin | 3.41% | 2.99% | 3.54% | 3.53% | 3.55% | +14 bps | |
| Efficiency Ratio | 60.44% | 64.86% | 59.56% | 57.07% | 55.16% | -527 bps | |
| Non-Interest Burden | 1.89% | 1.77% | 1.85% | 1.76% | 1.70% | -19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.30% | 33.35% | 35.03% | 32.37% | 30.17% | +2,287 bps | |
| Loan Growth (YoY) | 9.82% | 31.49% | 33.31% | 31.77% | 28.25% | +1,842 bps | |
| Deposit Growth (YoY) | 8.06% | 33.64% | 35.68% | 37.07% | 33.00% | +2,495 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.33% | 0.32% | 0.38% | +38 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.10% | 0.14% | 0.11% | 0.11% | +2 bps | |
| Allowance / Loans | 0.74% | 0.58% | 0.58% | 0.59% | 0.60% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.8x | 1.9x | 1.6x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.53% | 11.23% | 10.67% | 10.74% | 10.87% | +34 bps | |
| Total Risk-Based Capital | 12.70% | 12.93% | 12.88% | 13.06% | 13.23% | +53 bps | |
| Equity / Assets | 12.42% | 13.47% | 13.37% | 13.62% | 13.77% | +135 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.11% | 93.01% | 91.84% | 92.72% | 92.67% | -344 bps | |
| Liquid Assets / Assets | 7.47% | 6.70% | 5.01% | 4.75% | 4.92% | -255 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |