PackageTrendsPeer
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Lincoln Bank of NC

Lincolnton, NC · Cert 24505

FDIC

Q1 2000

$507.6MAssets
$357.1MLoans
$434.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.46%, down 10 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 82.11% of deposits as of Q1 2000.

Return on Assets (YTD, annualized)

1.46%-10 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000YoY ΔTrend
Earnings
Return on Assets1.68%1.70%1.69%1.55%1.54%1.65%1.73%1.46%-10 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)17.16%19.02%20.68%17.93%16.85%15.72%10.48%9.72%-820 bps
Loan Growth (YoY)10.08%14.09%17.53%19.91%24.03%22.29%19.29%18.02%-189 bps
Deposit Growth (YoY)16.01%17.26%21.16%17.28%13.55%11.25%3.83%4.13%-1,315 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits69.29%71.03%70.92%72.44%75.69%78.08%81.48%82.11%+967 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a