PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 ’016.92%Q2 ’016.60%Q3 ’01+3%-2%

Non-interest income vs. expense

2.93%Q1 ’012.98%Q2 ’012.99%Q3 ’01+5%+3%

Executive Summary

  • Earnings: ROA of 1.00%, down 26 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 94.82% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

1.00%-26 bps YoY

Net Interest Margin (quarter, annualized)

3.60%

Efficiency Ratio (quarter, annualized)

61.49%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.26%0.85%1.17%1.11%1.00%-26 bps
Return on Equityn/an/an/a6.66%6.12%n/a
Net Interest Marginn/an/a3.54%3.67%3.60%n/a
Efficiency Ration/an/a60.05%59.99%61.49%n/a
Non-Interest Burdenn/an/a1.60%1.68%1.72%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%0.11%0.19%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