Eden, NC · Cert 28010
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.99% | 0.55% | 0.58% | 0.44% | 0.65% | 0.53% | 0.58% | 0 bps | |
| Return on Equity | 4.46% | 6.30% | 3.45% | 3.69% | 2.73% | 4.12% | 3.31% | 3.55% | -15 bps | |
| Net Interest Margin | 2.76% | 2.55% | 2.36% | 2.43% | 2.33% | 2.35% | 2.51% | 2.62% | +19 bps | |
| Efficiency Ratio | 63.16% | 52.74% | 66.62% | 67.50% | 71.39% | 60.42% | 67.12% | 67.43% | -7 bps | |
| Non-Interest Burden | 1.64% | 0.95% | 1.49% | 1.57% | 1.60% | 1.31% | 1.62% | 1.67% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.14% | 19.25% | 16.20% | 10.90% | 1.09% | 0.95% | -1.11% | -2.32% | -1,322 bps | |
| Loan Growth (YoY) | -0.37% | -6.41% | -9.49% | -10.47% | -10.50% | -7.33% | -2.91% | 0.62% | +1,109 bps | |
| Deposit Growth (YoY) | 17.71% | 22.08% | 18.70% | 12.12% | 0.67% | 1.16% | -2.02% | -3.28% | -1,539 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 | -0.01% | 0.22% | 0.24% | 0.06% | 0.03% | 0.08% | 0.12% | 0.12% | +6 bps | |
| Allowance / Loans | 0.59% | 0.59% | 0.58% | 0.61% | 0.64% | 0.65% | 0.65% | 0.64% | +3 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 | 33.66% | 34.09% | 35.58% | 36.33% | 37.49% | 38.07% | 38.31% | 38.44% | +212 bps | |
| Equity / Assets | 15.63% | 15.93% | 15.72% | 15.85% | 16.03% | 15.59% | 16.33% | 16.48% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.41% | 60.96% | 57.69% | 56.63% | 56.37% | 55.84% | 57.16% | 58.91% | +228 bps | |
| Liquid Assets / Assets | 4.65% | 3.38% | 2.10% | 7.68% | 1.84% | 2.71% | 2.73% | 2.95% | -473 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |