Durham, NC · Cert 30118
FDIC
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.75% | -0.78% | -0.83% | -0.97% | 1.44% | -2.77% | -2.17% | -2.02% | -105 bps | |
| Return on Equity | -9.26% | -9.95% | -10.70% | -12.77% | 20.48% | -39.95% | -32.54% | -29.73% | -1,696 bps | |
| Net Interest Margin | 3.07% | 2.96% | 2.74% | 2.74% | 2.54% | 2.76% | 3.27% | 3.55% | +82 bps | |
| Efficiency Ratio | 129.36% | 130.28% | 134.24% | 137.73% | 60.77% | 102.74% | 108.78% | 114.86% | -2,288 bps | |
| Non-Interest Burden | 4.20% | 4.09% | 3.95% | 4.06% | -0.10% | 2.89% | 3.70% | 4.33% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.82% | -4.17% | -4.86% | 5.22% | 8.96% | -15.04% | -3.89% | -28.23% | -3,345 bps | |
| Loan Growth (YoY) | -5.82% | -3.79% | -11.77% | -3.67% | 0.67% | -19.85% | -30.64% | -30.46% | -2,678 bps | |
| Deposit Growth (YoY) | 19.11% | -4.39% | -3.80% | 0.40% | 4.90% | -15.05% | -2.62% | -31.14% | -3,154 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 | 0.00% | 0.00% | 0.00% | 0.00% | -0.02% | 0.07% | 0.11% | 0.12% | +12 bps | |
| Allowance / Loans | 1.15% | 1.25% | 1.27% | 1.32% | 1.33% | 1.56% | 1.73% | 1.70% | +38 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 | 12.87% | 12.37% | 12.01% | 9.59% | 10.45% | 10.56% | 10.68% | 11.45% | +186 bps | |
| Equity / Assets | 7.89% | 7.33% | 7.45% | 7.04% | 7.06% | 6.65% | 5.89% | 7.33% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.50% | 87.79% | 91.59% | 87.51% | 83.02% | 82.82% | 65.23% | 88.37% | +86 bps | |
| Liquid Assets / Assets | 9.68% | 12.50% | 7.82% | 10.81% | 16.15% | 15.06% | 30.05% | 15.22% | +441 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |