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Anson Bank & Trust Co.

Wadesboro, NC · Cert 30079

FDIC

Q2 2013

$64.1MAssets
$35.0MLoans
$57.6MDeposits
$6.2MEquity
Loan mix
92%RE $29.4M6%C&I $1.9M2%Consumer $0.7MQ2 2012Q2 2013
Deposit mix
84%Interest-bearing $48.5M16%Noninterest $9.0MQ2 2012Q2 2013

NIM

4.82%Q2 ’114.50%Q2 ’123.87%Q2 ’13-3%-12%

Non-interest income vs. expense

3.76%Q2 ’113.92%Q2 ’123.54%Q2 ’13+1%+10%

Executive Summary

  • Earnings: ROA of 0.91%, up 55 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 60.77% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

0.91%+55 bps YoY

Net Interest Margin (YTD, annualized)

3.41%-47 bps YoY

Efficiency Ratio (YTD, annualized)

99.54%+1,652 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.35%0.16%-1.02%1.07%0.91%+55 bps
Return on Equity2.98%1.39%-8.88%10.51%9.02%+604 bps
Net Interest Margin3.89%3.85%3.86%3.38%3.41%-47 bps
Efficiency Ratio83.02%90.55%93.39%88.93%99.54%+1,652 bps
Non-Interest Burden3.08%3.42%5.21%2.94%3.40%+31 bps
Growth
Asset Growth (YoY)3.85%2.98%5.04%3.62%8.16%+430 bps
Loan Growth (YoY)-4.17%-9.94%-10.60%-13.10%-11.39%-722 bps
Deposit Growth (YoY)5.92%10.22%7.97%4.17%12.50%+658 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.29%0.27%-0.02%-0.02%-9 bps
Allowance / Loans2.65%2.63%2.38%1.96%1.34%-131 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.85%18.26%19.05%19.79%19.76%+191 bps
Equity / Assets11.76%11.78%10.28%10.15%9.70%-206 bps
Liquidity & Funding
Loans / Deposits77.16%73.13%72.38%66.66%60.77%-1,639 bps
Liquid Assets / Assets8.53%6.77%18.26%20.30%22.80%+1,427 bps
CRE / Total Capitaln/an/an/an/an/an/an/a