Mount Gilead, NC · Cert 29358
FDIC · 1 branch
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.42% | 0.40% | 0.50% | 0.57% | 0.29% | -8.39% | -324% | -32,402 bps | |
| Return on Equity | n/a | n/a | n/a | 3.09% | 3.51% | 1.75% | -46.14% | -438% | -44,065 bps | |
| Net Interest Margin | 3.57% | 3.62% | 3.58% | 3.59% | 3.60% | 3.68% | -2.20% | -173.40% | -17,699 bps | |
| Efficiency Ratio | 77.83% | 83.50% | 85.26% | 80.20% | 79.50% | 89.90% | n/a | n/a | n/a | |
| Non-Interest Burden | 2.78% | 3.02% | 3.05% | 2.88% | 2.86% | 3.30% | 5.78% | 175.30% | +17,242 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.00% | -1.31% | -0.09% | -2.29% | -1.93% | -5.90% | -86.78% | -97.13% | -9,485 bps | |
| Loan Growth (YoY) | -9.19% | -9.03% | -6.81% | -9.35% | -12.76% | -12.39% | -100.00% | -100.00% | -9,065 bps | |
| Deposit Growth (YoY) | -1.69% | -1.14% | 0.47% | -2.18% | -2.77% | -7.39% | -95.21% | -99.88% | -9,770 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Allowance / Loans | 0.33% | 0.37% | 0.38% | 0.40% | 0.42% | 0.42% | n/a | n/a | n/a | |
| 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 | 33.95% | 35.44% | 36.22% | 37.99% | 40.34% | 40.86% | 1140% | 561% | +52,312 bps | |
| Equity / Assets | 15.80% | 15.77% | 15.95% | 16.32% | 16.53% | 17.09% | 69.43% | 95.00% | +7,868 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.41% | 92.59% | 91.72% | 89.10% | 85.60% | 87.59% | 0.00% | 0.00% | -8,910 bps | |
| Liquid Assets / Assets | 17.72% | 20.67% | 20.82% | 23.08% | 27.07% | 24.10% | 77.39% | 12.50% | -1,058 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |