Fayetteville, NC · Cert 22238
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.81% | 0.10% | -2.23% | -2.98% | -0.61% | +820 bps | |
| Return on Equity | -116.41% | 1.51% | -37.34% | -58.16% | -12.46% | +10,395 bps | |
| Net Interest Margin | 3.52% | 2.23% | 1.37% | 1.03% | 0.65% | -287 bps | |
| Efficiency Ratio | 88.61% | 104.99% | 187.21% | 228% | 118.83% | +3,021 bps | |
| Non-Interest Burden | 5.16% | 2.39% | 2.88% | 3.35% | 1.26% | -390 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 28.43% | 27.64% | 20.68% | 17.78% | 8.05% | -2,038 bps | |
| Loan Growth (YoY) | 28.61% | 15.96% | 8.55% | -4.87% | -12.42% | -4,103 bps | |
| Deposit Growth (YoY) | 25.02% | 24.10% | 21.73% | 26.15% | 12.05% | -1,297 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.48% | 1.74% | 2.42% | 5.21% | 3.20% | -28 bps | |
| Allowance / Loans | 4.47% | 3.85% | 3.98% | 3.98% | 3.77% | -70 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 8.79% | 8.84% | 7.93% | 5.75% | 5.79% | -300 bps | |
| Equity / Assets | 6.88% | 6.53% | 5.45% | 4.79% | 4.99% | -189 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.17% | 83.81% | 78.88% | 73.59% | 70.47% | -1,969 bps | |
| Liquid Assets / Assets | 2.75% | 8.01% | 0.16% | 9.83% | 10.30% | +755 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |