Wadesboro, NC · Cert 30079
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.01% | 0.32% | 0.38% | -0.21% | -4.53% | 1.07% | 0.74% | +37 bps | |
| Return on Equity | 4.62% | 0.06% | 2.73% | 3.24% | -1.78% | -41.08% | 10.51% | 7.50% | +426 bps | |
| Net Interest Margin | 4.07% | 4.09% | 4.01% | 3.83% | 3.87% | 4.01% | 3.38% | 3.42% | -41 bps | |
| Efficiency Ratio | 83.18% | 81.79% | 83.21% | 82.83% | 106.60% | 104.65% | 88.93% | 113.49% | +3,066 bps | |
| Non-Interest Burden | 3.29% | 3.22% | 3.20% | 3.02% | 4.16% | 10.72% | 2.94% | 3.84% | +81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | -2.03% | 4.47% | 3.85% | 2.98% | 5.04% | 3.62% | 8.16% | +430 bps | |
| Loan Growth (YoY) | -5.42% | -6.39% | -2.04% | -4.17% | -9.94% | -10.60% | -13.10% | -11.39% | -722 bps | |
| Deposit Growth (YoY) | 0.16% | -1.99% | 8.56% | 5.92% | 10.22% | 7.97% | 4.17% | 12.50% | +658 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% | 0.10% | 0.16% | -0.04% | 0.73% | 0.22% | -0.02% | -0.02% | +2 bps | |
| Allowance / Loans | 2.17% | 2.43% | 2.50% | 2.65% | 2.63% | 2.38% | 1.96% | 1.34% | -131 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 | 16.77% | 17.00% | 17.14% | 17.85% | 18.26% | 19.05% | 19.79% | 19.76% | +191 bps | |
| Equity / Assets | 11.99% | 12.12% | 11.53% | 11.76% | 11.78% | 10.28% | 10.15% | 9.70% | -206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.51% | 87.41% | 79.90% | 77.16% | 73.13% | 72.38% | 66.66% | 60.77% | -1,639 bps | |
| Liquid Assets / Assets | 3.18% | 3.13% | 8.06% | 8.53% | 6.77% | 18.26% | 20.30% | 22.80% | +1,427 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |