Moyock, NC · Cert 2039
FDIC
Q3 2010
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.17% | -6.72% | -2.11% | -6.40% | 0.01% | 0.22% | -0.37% | +175 bps | |
| Return on Equity | 3.70% | 1.54% | -67.57% | -21.37% | -70.85% | 0.11% | 3.84% | -6.31% | +1,506 bps | |
| Net Interest Margin | 3.90% | 3.38% | 2.20% | 2.79% | 3.00% | 2.53% | 3.00% | 2.99% | +20 bps | |
| Efficiency Ratio | 79.47% | 80.35% | 143.48% | 91.93% | 164.98% | 99.80% | 93.58% | 111.29% | +1,936 bps | |
| Non-Interest Burden | 2.98% | 2.60% | 3.41% | 2.52% | 4.26% | 2.52% | 2.77% | 3.38% | +86 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 | 0.37% | 0.23% | 3.10% | 2.11% | 4.78% | -0.85% | 1.33% | 2.64% | +53 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 |