Burlington, NC · Cert 27789
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 1.08% | 0.99% | 0.94% | 1.01% | 0.82% | 0.97% | 1.16% | +22 bps | |
| Return on Equity | 5.47% | 6.76% | 6.25% | 5.75% | 6.17% | 4.97% | 5.77% | 6.91% | +116 bps | |
| Net Interest Margin | 3.01% | 3.07% | 3.18% | 3.26% | 3.25% | 3.37% | 3.45% | 3.66% | +40 bps | |
| Efficiency Ratio | 61.61% | 56.17% | 58.50% | 53.10% | 56.38% | 54.55% | 57.37% | 53.34% | +24 bps | |
| Non-Interest Burden | 1.63% | 1.39% | 1.63% | 1.44% | 1.61% | 1.58% | 1.75% | 1.72% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.99% | 7.27% | 4.22% | 2.94% | 2.59% | -1.76% | -2.55% | 0.05% | -289 bps | |
| Loan Growth (YoY) | 1.65% | -0.64% | 2.80% | 2.87% | 1.87% | 1.92% | 0.09% | -0.24% | -311 bps | |
| Deposit Growth (YoY) | 2.34% | -0.61% | 0.01% | 4.86% | 5.43% | 3.70% | 3.27% | 0.14% | -472 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 | 0.06% | 0.07% | 0.03% | 0.50% | 0.58% | 0.01% | 0.09% | 0.22% | -29 bps | |
| Allowance / Loans | 1.65% | 1.66% | 1.67% | 1.67% | 1.54% | 1.75% | 1.81% | 1.79% | +12 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 | 23.50% | 22.82% | 23.10% | 23.57% | 22.94% | 23.26% | 23.97% | 23.67% | +11 bps | |
| Equity / Assets | 16.48% | 15.42% | 16.15% | 16.63% | 16.18% | 16.64% | 16.98% | 16.73% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.88% | 88.23% | 89.14% | 87.87% | 84.92% | 86.71% | 86.39% | 87.54% | -33 bps | |
| Liquid Assets / Assets | 6.47% | 6.77% | 6.97% | 6.15% | 7.03% | 6.88% | 7.15% | 6.75% | +60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |