PackageTrendsPeer
Letter portraitLegal landscape

Central Carolina Bank and Trust Co.

Durham, NC · Cert 2033

FDIC

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Carolina Bank and Trust Co.

Durham, NC · Cert 2033

FDIC

Q3 2001

$10.8BAssets
$7.2BLoans
$7.6BDeposits
$1.7BEquity
Loan mix
88%RE $3.1B12%C&I $0.4B0%Consumer $0.0BQ3 2000Q3 2001
Deposit mix
86%Interest-bearing $6.5B14%Noninterest $1.1BQ3 2000Q3 2001

NIM

7.30%Q1 ’017.13%Q2 ’016.91%Q3 ’01+2%-1%

Non-interest income vs. expense

2.93%Q1 ’012.96%Q2 ’012.96%Q3 ’01+3%+1%

Executive Summary

  • Earnings: ROA of 1.09%, down 17 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.
  • Funding: loans stand at 94.82% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.09%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.59%

Efficiency Ratio (YTD, annualized)

60.51%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.26%0.85%1.17%1.14%1.09%-17 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.54%3.62%3.59%n/a
Efficiency Ration/an/a60.05%60.02%60.51%n/a
Non-Interest Burdenn/an/a1.60%1.64%1.66%n/a
Growth
Asset Growth (YoY)35.76%47.46%42.82%20.95%20.20%-1,556 bps
Loan Growth (YoY)35.81%33.44%32.89%12.60%11.33%-2,449 bps
Deposit Growth (YoY)25.79%26.33%25.58%9.05%9.07%-1,671 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.15%0.13%0.15%n/a
Allowance / Loansn/an/a1.26%1.25%1.28%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a10.31%10.42%10.28%n/a
Equity / Assetsn/an/a16.79%16.61%16.12%n/a
Liquidity & Funding
Loans / Deposits92.90%94.36%95.15%94.63%94.82%+192 bps
Liquid Assets / Assets0.00%0.00%0.89%0.78%0.79%+79 bps
CRE / Total Capitaln/an/an/an/an/an/an/a