Moyock, NC · Cert 2039
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.17% | -13.46% | 6.84% | -18.99% | 0.01% | 0.44% | -1.62% | -846 bps | |
| Return on Equity | 0.23% | 1.54% | -134.82% | 75.80% | -247% | 0.11% | 7.51% | -26.64% | -10,245 bps | |
| Net Interest Margin | 3.95% | 3.38% | 1.17% | 4.06% | 3.23% | 2.53% | 3.29% | 2.81% | -125 bps | |
| Efficiency Ratio | 83.86% | 80.35% | 277% | 32.95% | 164.98% | 99.80% | 88.49% | 157.39% | +12,445 bps | |
| Non-Interest Burden | 3.22% | 2.60% | 4.33% | 0.86% | 9.15% | 2.52% | 2.84% | 4.42% | +356 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.97% | 8.04% | 8.10% | 13.53% | 1.90% | -0.18% | -6.78% | -14.60% | -2,813 bps | |
| Loan Growth (YoY) | 10.13% | 4.39% | 0.37% | -4.55% | -6.90% | -8.11% | -10.48% | -16.55% | -1,200 bps | |
| Deposit Growth (YoY) | 15.65% | 13.21% | 24.30% | 25.65% | 16.77% | 12.18% | -2.59% | -9.99% | -3,564 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 | 0.78% | 0.23% | 5.97% | -0.12% | 12.60% | -0.85% | 3.53% | 4.97% | +508 bps | |
| Allowance / Loans | 1.34% | 1.47% | 3.67% | 2.49% | 4.49% | 4.77% | 4.04% | 3.25% | +75 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 | 15.00% | 18.41% | 12.38% | 14.64% | 9.09% | 9.35% | 9.54% | 9.81% | -483 bps | |
| Equity / Assets | 9.87% | 11.68% | 8.28% | 9.72% | 5.57% | 5.53% | 6.15% | 6.03% | -369 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.59% | 84.32% | 79.20% | 74.18% | 72.22% | 69.07% | 72.79% | 68.77% | -541 bps | |
| Liquid Assets / Assets | 0.30% | 7.43% | 3.77% | 6.71% | 8.53% | 12.45% | 6.00% | 13.27% | +656 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |